Measure the protection gap
before shopping for a product.
No insurer rankings or product sales. Use protection-gap, premium-affordability, and policy cash-flow tools to understand the problem first.
Commercial insurance ≠ social insurance
Commercial insurance pays under contract terms; Taiwan Labor Insurance is a separate social-insurance system.
Turn policy questions into comparable numbers
Insurance Protection Gap Overview
Estimate the remaining financial gap after existing insurance and liquid resources.
Life InsuranceLife Insurance Need Calculator
Estimate life insurance needs using debts, family spending, education needs, and existing resources.
PremiumsInsurance Premium Affordability Calculator
Compare annual insurance premiums with household income and surplus.
Health ProtectionMedical Risk Reserve Gap Calculator
Estimate a medical-event funding gap after current insurance and cash reserves.
Policy Cash FlowPolicy Cash-Flow IRR Calculator
Estimate a simplified annualized IRR from premiums paid and a future policy value.
Policy LoansPolicy Loan Interest Calculator
Estimate simple-interest cost and ending balance for a policy loan.
SurrenderPolicy Surrender Cost Calculator
Compare premiums paid, prior benefits received, and current surrender value.
AnnuitiesAnnuity Income Scenario Calculator
Create a simplified annuity-income scenario from capital and an assumed payout rate.
What to review after receiving a policy
When does Taiwan's 10-day cancellation right apply?
FSC guidance describes a 10-day cancellation right for certain individual personal insurance contracts with terms of at least two years.