This page contains exclusive content for members. Log in to see full details. Log in here This personalized Guaranteed Insurability Benefit (GIB) needs analysis & rate calculator prefills information from your profile. Please login to use your information. The recommendations and premiums are based on the information you have provided and information from your profile, such as age and gender. Please consider these as suggested estimates. This calculator does not replace the advice and recommendations of a licensed insurance professional. If you require advice on your specific situation, please schedule an appointment with a Doctors of BC Insurance Advisor.