Family Protection Check

How long would your family be okay without your salary?

Answer a few short steps. See how long your family would be okay, how much money would be missing, and what to check first. Single? It works for you too.

About 2 minutesRough numbers are fineNo products shown

1About you

Your currency (pick this first)
Are you single or a couple?
Who depends on your salary? Tap all that apply.

"Parents or family" means parents, brothers, sisters or anyone else who needs your salary.

If something happens to you, how long should your family be protected?

10 years of your salary (plus loans and college) is a common guide. "Until your youngest is 25" counts your family's real costs.

2Your money

Each month. A close guess is fine.

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Rent, food, bills, school, and any money you send home.

Does your partner also earn?
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House, car, personal loans. Leave blank if none.

3Your kids' dreams

If you couldn't work, do you still want your kids' college paid for?
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4What you have now

These covers replace your salary if you can't work anymore, or if you pass away. Count what you get from work and what you bought yourself.

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Money you could take out if you needed it.

Life cover: if you pass away, will your family get money to replace your salary, so they can keep the life you planned for them: the same home, the same school, the same dreams?
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Count cover from work and your own. Many employers give 2 to 3 years of salary. Check your benefits.

Critical illness cover: if you get a serious illness like cancer, a stroke or a heart attack, will you get money to replace your salary, so you can focus on getting better instead of worrying about the bills?
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Disability cover: if an accident or illness stops you from ever working again, will you get money to replace your salary, so you can still take care of your familyyourself without depending on others?
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This often comes with life cover from work. Check your benefits.

5Your choice of hospital

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We add about US$50,000 (shown in your currency) for treatment of a serious illness in a good private hospital. You can change it.

We'll ask for your name and email to show your result and send your next steps.
For educational purposes only. Not advice and not a quote. See the full disclaimer with your result.

What clients say
M

"Initially, I approached him to inquire about insurance, but I was pleasantly surprised when he expressed genuine interest in understanding my dreams and aspirations before discussing any financial matters."

May Shael Manalo★★★★★ · July 2023
J

"As clients who were initially unsure how to categorize our insurance options and allocate them according to our long-term needs, he guided us with patience and clarity."

Jane De Leon★★★★★ · November 2025
Read all reviews →
Aris Riparip, Financial Advisor

Family Protection Report

If something happens to you

Your family's future shouldn't depend on one paycheck.

This page gives you a number. A plan tells you what to do about it, at a cost that fits your budget.

On a 20-minute Clarity Call, we'll:
  • ✅
    Review the cover you already have.From work and your own, and when it stops.
  • ✅
    Find the real money missing.What your family would actually need, not a guess.
  • ✅
    Talk about options that fit your budget.No pressure. You decide.
  • ✅
    Keep your family's plans going.Daily life, the loans, and your kids' school.
What clients say:
"It was clear from the start that he wasn't just there to sell products or services; he was genuinely invested in helping me reach my financial goals."Tetet Velez
"Build your emergency fund. We never know what will happen so better be prepared for it."Herdeliza Tarita
I'm a licensed financial advisor. On the call, I'll review the cover you already have and explain your options. You decide what's right for your family.
Book my 20-minute Clarity Call

For people living and working in Qatar. I take only 3 new families a month.

Ready for the next step? Book a 20-minute Clarity Call with Aris: arisriparip.com
Important: please read
  • This check is for educational purposes only. It is not financial advice, not an insurance quote, and not an offer of any product.
  • Your result is only as good as the numbers you typed. Rough numbers give a rough picture.
  • "If you pass away": we use about 80% of what your family spends now (your own costs would drop), minus your partner's pay if they earn. We count 10 years, or the years until your youngest child turns 25 if you picked that.
  • "Your family would be okay for": your savings + life cover, divided by what your family needs each month without you.
  • If you answered "Not sure" about life cover, we used 2 years of your salary, a common amount from work. For critical illness and disability, "Not sure" counts as 0.
  • Life insurance need: (a) 10 years of your salary, plus your loans and kids' college. If you gave your age, we use fewer years when you are less than 10 years from age 60. Or, if you have kids, you can pick (b) until your youngest child turns 25: daily life for those years + loans + college. We take away your savings and the life cover you have to get the money still missing.
  • Critical illness need = the rule of thumb of 4 times your yearly salary, so your family can live while you get better, plus the "extra for private treatment" amount if you ticked it. Medical bills in Qatar are not added; we assume your health plan pays those. Savings are not taken away here, because you would need them for other costs while you heal.
  • If you are single and no one depends on your salary, we skip life cover. Your disability need is then 10 years of your salary, plus loans.
  • The 10-times and 4-times figures are common industry rules of thumb. For example, Singapore's Basic Financial Planning Guide suggests about 9 times yearly income for death and permanent disability, and 4 times for critical illness. "Salary" means your monthly salary including allowances.
  • Permanent disability need = the same as your life insurance need. If you can never work again, your family needs the same money, and you still need to live too. We take away your savings and the disability cover you have to get the money still missing.
  • "How long your savings would last" (illness and disability) = savings + that cover, divided by what your family spends each month, minus your partner's pay.
  • The three needs are separate. Don't add them together; one event usually happens, not all three.
  • "Extra for private treatment": US$50,000 is a general planning figure for treatment of a serious illness in a good private hospital. Real costs depend on the country, hospital, illness and how long care takes. It may be more or less for you.
  • Type all amounts in the currency you picked. The US$50,000 is changed to that currency using QR 3.64 = US$1 and ₱16 = QR 1. Real rates change.
  • Cover from your job usually ends when the job ends. Government or social benefits are not counted.
  • Please don't make decisions about cover from this page alone. Talk to a licensed professional first.

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