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["TPD Personal Cover Limits ",null,null,"All for personal covers only"]
["This calculator should only be used when the income supports a sum insured of more than $2.5m on a Multiples of Income + Additional Considerations",null,null,"Comments"]
["basis (please refer to the Adviser Guide for details)."]
["This calculator does not consider any Continuous Care Option quoted or retained. "]
[]
["Customer date of birth (dd/mm/yyyy):","1982-10-01",null,"ANB",{"$f":"DATEDIF(B6,TODAY(),\"Y\")+1","v":44}]
[]
["Annual income (incl. Super):",230000]
["Years remaining to age 65:",{"$f":"IFERROR(66-E6,\"\")","v":22}]
["Derived income to age 65:",{"$f":"IF(B9=\"\",\"\",B8*B9)","v":5060000}]
[]
[]
["Proposed working definition TPD (personal purpose only):",2000000]
[null,null,null,null,null,null,null,null,null,null,null,null,"1 year"]
["Retained TPD (personal purpose only):",null,null,null,null,null,null,null,null,null,null,null,"2 years"]
[null,null,null,null,null,null,null,null,null,null,null,"2 years","5 years","Number of IP payments possible to end of benefit period for different WP and BP"]
["Proposed monthly IP (including any Super Contribution Option)",null,null,null,null,null,null,null,null,null,null,"6 years","6 years","BP/WP","30 days","60 days","90 days","1 year","2 years"]
["Benefit Period:","To Age 65",null,null,null,null,null,null,null,null,null,"To Age 65","To Age 65","2 years",2,2,2,2,2]
["Waiting period","90 days",null,null,null,null,null,null,null,null,null,null,null,"5 years",5,5,5,5,5]
["Total to expiry",{"$f":"IFERROR(IF(OR(B17=\"\",B17=0),\"$0\",IF(OR(B18=\"\",B19=\"\"),\"Require BP & WP to calculate\",B17*12*INDEX($O$18:$S$22,MATCH(B18,$N$18:$N$22,0),MATCH(B19,$O$17:$S$17,0)))),\"Error, please contact Zurich\")","v":"$0"},null,null,null,null,null,null,null,null,null,null,null,"1 year",1,1,1,1,1]
[null,null,null,null,null,null,null,null,null,null,null,"30 days","30 days","To Age 65",{"$f":"66-$E$6","v":22},{"$f":"66-$E$6","v":22},22,{"$f":"66-$E$6-1","v":21},{"$f":"66-$E$6-2","v":20}]
["Retained monthly IP (including any Super Contribution Option)",null,null,null,null,null,null,null,null,null,null,"60 days","60 days","6 years",6,6,6,6,6]
["Benefit period:","To Age 65",null,null,null,null,null,null,null,null,null,"90 days","90 days"]
["Waiting period","1 year",null,null,null,null,null,null,null,null,null,null,"1 year"]
["Total to expiry",{"$f":"IFERROR(IF(OR(B22=\"\",B22=0),\"$0\",IF(OR(B23=\"\",B24=\"\"),\"Require BP & WP to calculate\",B22*12*INDEX($O$18:$S$22,MATCH(B23,$N$18:$N$22,0),MATCH(B24,$O$17:$S$17,0)))),\"Error, please contact Zurich\")","v":"$0"},null,null,null,null,null,null,null,null,null,"2 years","2 years"]
[]
["Income to retirement",{"$f":"B10","v":5060000}]
["Insured amount (including TPD and IP)",{"$f":"IF(OR(ISERROR(SUM(B13,B15,B20,B25)),SUM(B13,B15,B20,B25)=0),\"Waiting for information above\",SUM(B13,B15,B20,B25))","v":2000000}]
[]
["Income to retirement vs insured amount",{"$f":"IF(ISNUMBER(B28)=FALSE,\"Waiting for information above\",(IF(B8=\"\",\"\",IF(B13=0,\"Calculator is only required if TPD cover is being proposed\",_xlfn.XLOOKUP(M52,$D$55:$D$62,$M$55:$M$62,,0)))))","v":"Sums insured provided are within limits"},null,null,null,null,null,null,null,null,null,null,null,null,"                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      "]
["Action:",{"$f":"IF(OR(B20=\"Require BP & WP to calculate\",B25=\"Require BP & WP to calculate\"),\"Complete all fields above\",IF(B30=\"Complete all fields\",\"Complete all fields\",IF(B30=\"Calculator is only required if TPD cover is being proposed\",\"Please add a sum insured in the 'Proposed TPD' field above\",IF(B8=\"\",\"\",_xlfn.XLOOKUP(M52,$D$55:$D$62,$I$55:$I$62,,0)))))","v":"No action"}]
[]
[]
[]
[]
[]
["Today",{"$f":"TODAY()","v":"2026-03-17"}]
[]
[]
[null,null,null,"Step 1 - Cap the TPD sum insured to the greater of $2.5m and the amount of TPD needed to replace income to age 65",null,null,null,null,null,null,null,null,{"$f":"MAX(2500000-B15,B10-B15-B20-B25)","v":5060000},null," max(2.5m- retained personal TPD, income to retirement- retained personal TPD - retained IP)"]
[]
[null,null,null,"Step 2 - max $5m industry cap on personal TPD",null,null,null,null,null,null,null,null,{"$f":"MAX(MIN(M40,5000000-B15),0)","v":5000000},null,"min(step1, 5m - retained personal TPD)"]
[]
[null,null,null,"Step 3 -Cover requested and allowed under normal TPD",null,null,null,null,null,null,null,null,{"$f":"MIN(M42,B13)","v":2000000},{"$f":"IF(M45>0,MAX(B12-N45,0),M44)","v":2000000}]
[null,null,null,"Step 4 - Additional cover allowed under CCO",null,null,null,null,null,null,null,null,{"$f":"MIN(B13-M44,5000000-SUM(B15)-M44)","v":0},{"$f":"IF(M45>0,MAX(M45,250000),0)","v":0},"min(SI requested - step 3, 5m - retained TPD - step 3)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"minimum sum insured for CCO is $250k"]
[null,null,null,"Cover requested and not allowed",null,null,null,null,null,null,null,null,{"$f":"MAX(0,B13-M44-M45)","v":0}]
[]
[]
[null,null,null,"> 2.5m/income cap",null,null,null,null,null,null,null,null,{"$f":"B13>M40","v":false}]
[null,null,null,"> 5m industry cap",null,null,null,null,null,null,null,null,{"$f":"SUM(B13,B15)>5000000","v":false}]
[null,null,null,"Outcome",null,null,null,null,null,null,null,null,{"$f":"IF(AND(M44=0,M45>0,M45<250000),D59,IF(AND(M44=0,M45>=250000,M47=0),D60,IF(AND(M44=0,M45>=250000,M47>0),D61,IF(AND(M44=0,M45=0),D62,IF(AND(M50=FALSE,M51=FALSE),D55,IF(AND(M50=TRUE,M51=FALSE),D56,IF(AND(M50=TRUE,M51=TRUE),D57,IF(AND(M50=FALSE,M51=TRUE),D58))))))))","v":"<2.5m/income cap, <5m industry cap"}]
[]
[null,null,null,"Outcome",null,null,null,null,"Action",null,null,null,"Income to retirement vs insured amount"]
[null,null,null,"<2.5m/income cap, <5m industry cap",null,null,null,null,"No action",null,null,null,"Sums insured provided are within limits"]
[null,null,null,">2.5m/income cap, <5m industry cap",null,null,null,null,"Consider taking part of the proposed TPD in Continuous Care Option",null,null,null,{"$f":"\"Based on the information provided, the maximum allowable new TPD cover is \"&\"$\"&TEXT(M42,\"#,##0\")&\". Consider reducing TPD and adding Continuous Care Option of \"&\"$\"&TEXT(N45,\"#,##0\")","v":"Based on the information provided, the maximum allowable new TPD cover is $5,000,000. Consider reducing TPD and adding Continuous Care Option of $0"}]
[null,null,null,">2.5m/income and >5m industry cap",null,null,null,null,"Consider taking part of the proposed TPD in Continuous Care Option",null,null,null,{"$f":"\"Based on the information provided, the maximum allowable new TPD cover is \"&\"$\"&TEXT(M42,\"#,##0\")&\". Consider reducing TPD and adding Continuous Care Option of \"&\"$\"&TEXT(N45,\"#,##0\")","v":"Based on the information provided, the maximum allowable new TPD cover is $5,000,000. Consider reducing TPD and adding Continuous Care Option of $0"}]
[null,null,null,"<2.5m/income cap, >5m industry cap",null,null,null,null,"Reduce the proposed TPD",null,null,null,{"$f":"\"Based on the information provided, the maximum allowable new TPD cover is \"&\"$\"&TEXT(M42,\"#,##0\")&\". Consider reducing TPD to be within the allowed limits\"","v":"Based on the information provided, the maximum allowable new TPD cover is $5,000,000. Consider reducing TPD to be within the allowed limits"}]
[null,null,null,"The maximum permitted amount of TPD is already in place, new TPD quoted <250k",null,null,null,null,"Additional cover can only be taken in Continuous Care Option",null,null,null,{"$f":"\"The maximum permitted amount of TPD is already in place. Consider reducing retained TPD and adding Continuous Care Option of \"&\"$\"&TEXT(N45,\"#,##0\")&\"\"","v":"The maximum permitted amount of TPD is already in place. Consider reducing retained TPD and adding Continuous Care Option of $0"}]
[null,null,null,"The maximum permitted amount of TPD is already in place, new TPD can be fully taken in CCO",null,null,null,null,"Additional cover can only be taken in Continuous Care Option",null,null,null,{"$f":"\"The maximum permitted amount of TPD is already in place. Consider taking Continuous Care Option of \"&\"$\"&TEXT(N45,\"#,##0\")&\"\"","v":"The maximum permitted amount of TPD is already in place. Consider taking Continuous Care Option of $0"}]
[null,null,null,"The maximum permitted amount of TPD is already in place, new TPD can be partially taken in CCO",null,null,null,null,"Additional cover can only be taken in Continuous Care Option",null,null,null,{"$f":"\"The maximum permitted amount of TPD is already in place. Consider taking Continuous Care Option of \"&\"$\"&TEXT(N45,\"#,##0\")&\"\"","v":"The maximum permitted amount of TPD is already in place. Consider taking Continuous Care Option of $0"}]
[null,null,null,"The maximum permitted amount of TPD is already in place, no additional TPD may be proposed",null,null,null,null,"No additional TPD may be proposed",null,null,null,{"$f":"\"The maximum permitted amount of TPD is already in place\"","v":"The maximum permitted amount of TPD is already in place"}]