Premium Calculator

Estimate premiums and explore options before starting an application

Smart suggestion
Term Life 20 · Young families, loan protection, breadwinners 25–45.
Suggested cover 34,000,000 KHR

Product

Each product solves a different need. Tap a card to see how it shapes the premium.

Customer profile

Age, gender, smoking and health each apply a multiplier to the base rate.
1830456070
Premium rises ~2.5% per year above 25.
Female lives carry a 0.92× factor on mortality.
+35% loading on tobacco use within last 12 months.
Final rate set after underwriting and medical.
Hazardous work increases the loading.
5y10y15y20y30y
Longer terms lock today's rate longer.

Customer needs

We use these to suggest the right cover. Industry rule: 10× annual income + 5M KHR per dependent.
Premium ideally ≤ 10% of income.
0123456
Children, spouse, parents relying on income.
34,000,000 KHR
Rule of thumb based on income and dependents.

Coverage

Type a custom value or pick a preset.
Best value — no loading
Annual is the cheapest — modal modes carry a small loading.

Optional riders

Add-on benefits attached to the main policy. Each rider increases the premium by a small percentage.
Estimated premium
39,760
KHR
per year · Annual · Term Life 20
Annual
39,760 KHR
Total (20y)
795,200 KHR
Riders
None
How we got there
Base rate × sum assured28,400 KHR
Age factor×1.25
Gender factor×1.00
Smoker factor×1.00
Term factor×1.12
Occupation×1.00
Health×1.00
Base premium / year39,760 KHR
Riders (0)+0 KHR
Modal factor (Annual)×1.00
Compare across products
Annual, before riders
Advice for this profile
  • Cover gap of 24,000,000 KHR vs the 10× income + dependents rule. Consider increasing sum assured.
  • Premium is 2% of annual income — within the 10% comfort zone.
How the premium is calculated
1Base rate
Each product has a per-1,000 sum-assured rate. Multiply by the sum assured to get the unloaded annual premium.
2Risk loadings
Age, gender, smoking, occupation class and self-rated health each apply a multiplier. Smoking alone adds 35%.
3Term, mode & riders
A small term factor, the selected payment mode loading, and any chosen riders are layered on to give the final modal premium.
Indicative estimate based on standard rates. Final premium depends on underwriting, medical examination and applicable loadings.