At Glenys and Mark Sequeira
We're your Trusted Partners in charting the course to lasting wealth and success.
Term Planner
🛡️ Introducing the Sequeira’s Term Planner
Your family’s financial security is priceless — and protecting it starts with the right life cover. Our Term Planner helps you understand how much Term Life Insurance you actually need to safeguard your loved ones’ future.
By analyzing key factors like your income, lifestyle expenses, liabilities, and long-term goals, the planner calculates the ideal coverage amount to ensure your family’s needs are fully met — even in your absence.
With clear insights and simple calculations, the Sequeira’s Term Planner empowers you to make informed decisions, so you can protect what truly matters.
Because peace of mind isn’t about having insurance — it’s about having the right amount.
Monthly Lifestyle Expenses are the regular costs that you spend every month to maintain your family's living standards. This typically includes groceries, utilities (electricity, water, internet), transportation, education fees, insurance premiums, medical expenses, entertainment, and other daily or essential household expenses. To calculate it, add up all your typical monthly expenses for these categories and include anything else necessary for your family's lifestyle.
Total Liabilities refer to all your current debts and financial obligations that you owe to others. This includes short-term liabilities due within a year (like credit card balances, personal loans, monthly mortgage or rent payments, unpaid bills) as well as long-term liabilities (such as home mortgages, car loans, education loans, or any other outstanding loans). To calculate total liabilities, list all your debts with their outstanding amounts and sum them up to get your total liability amount.
Long-term Financial Goals are the future financial targets and commitments you want to achieve or fulfill that require substantial funding over an extended period. This could include goals such as funding children's education, buying a home, retirement planning, or any major life milestones and investments you plan to make. To calculate these, estimate the current cost of these goals and then adjust for inflation and the time horizon over which you need to accumulate those funds, usually by projecting the amount you will need in the future.