benefit-calc

# Benefit Calculator Calculate insurance payouts, required coverage amounts, and premium estimates based on user inputs. Covers life, health, critical illness, disability, and annuity calculations. ## When to Use - User asks "how much life insurance do I need?" - User wants to calculate expected reimbursement for a medical expense - User wants to know how much critical illness cover to buy - User asks about expected annuity income from a retirement policy - User wants to estimate premium for a given coverage amount ## How to Use 1. Identify calculation type (coverage needed / payout expected / premium estimate) 2. Collect required inputs (income, expenses, dependents, age, sum assured, etc.) 3. Apply standard actuarial formulas or rule-of-thumb benchmarks 4. Show calculation steps transparently 5. Present result with context (is this enough? industry benchmark?) 6. Offer sensitivity analysis (what if income increases / expenses change?) ## Examples - "How much life insurance do I need? I earn ¥300,000/year with a wife and two kids" - "If I'm hospitalized for 5 days at ¥2000/day, how much will my insurance pay?" - "How much critical illness cover should a 40-year-old have?"