Family Life Cover Funding Gap
Build a life-cover funding requirement from family debts, dependent support, education, care and final costs, then subtract available assets and applicable existing cover.
This is not an authenticated pension-account or policy query. Enter verified local parameters and approved amounts yourself. Changing language does not change the Chinese system. Estimates do not replace official determinations or claim decisions.
Rules verified on:2026-10-13Verify first: official inquiry and rules description
- For basic pension accounts, payment records and calculation and distribution parameters, please verify the national social insurance public service platform or the local agency, and do not fill in the password or certificate into this site.
- The personal pension tax can be checked by the tax department; please check the official reply of the contract or the insurance company for the official reply of the contract for the commercial insurance, the deductible amount, the remaining limit and the cash value.
- The following buttons only open the corresponding official website when they actively click, and will not automatically jump, and will not carry the input parameters on this page. This site does not collect real accounts or insurance policy information.
The main rules are based on: progressive delay in the decision of statutory retirement age, the implementation of the interim measures for the flexible retirement system, the basic pension calculation and issuance method, the personal pension tax policy and the insurance consumer risk warning. Future changes are subject to the latest regulations of the release department.
Do not enter names, ID numbers, medical records, policy numbers or passwords. Calculations run in the browser and are cleared on leaving this group, reloading or closing. Only your copy or download action exports results to you.
This tool is calculated according to Chinese rules and RMB; the switching language will not change the tax system, interest rate, unit or applicable area.
Family Life Cover Funding Gap User manual
- Fill in the parameters or select the file according to the form, and check the unit and format first.
- CNY 500,000 debt, ten years at CNY 4,000 monthly support, CNY 100,000 education and CNY 20,000 final costs, less CNY 500,000 of assets and cover, leave CNY 600,000.
- Click the processing button to view the results, you can copy or download and save.
Calculation method and processing rules
Multiply support spending by its duration, add one-off goals and debts, and deduct non-duplicated assets and existing death cover. The remaining gap cannot be negative.
scope of use
Sum insured is not cash value or a certain claim. No product recommendation, underwriting or claim decision is made. Do not double-count education and care expenses.
Will the input content be saved on the server?
This tool handles input in the browser, and does not upload files or form content. Typing practice scores are only saved in the native browser.
Why may the result be different from other tools?
Sum insured is not cash value or a certain claim. No product recommendation, underwriting or claim decision is made. Do not double-count education and care expenses. Please compare the input unit, rounding method, applicable rules and data version first.