Life Insurance Needs Calculator
7 questions covering income, your spouse, debts, children's education, final expenses, and existing coverage. Get 3 scenarios + a personalized policy recommendation.
What Is Your Annual Income?
Include salary, self-employment income, and any regular income your family depends on.
Does Your Spouse or Partner Also Work?
If your spouse earns income, we'll factor their contribution into your family's total financial picture.
Their annual income:
How Many Years of Income Do You Want to Replace?
Choose the time horizon until your youngest dependent is financially independent or you plan to retire.
What Are Your Outstanding Debts?
Enter remaining balances. Leave blank for any that don't apply — the total updates live.
Do You Want to Fund Your Children's Education?
Add each child. We'll include their projected education costs in your recommended coverage. Skip if not applicable.
No children added yet. Click below to add one.
Final Expenses and Emergency Fund
One-time costs your family faces immediately: funeral, estate settlement, and a cash cushion while things stabilize.
Final expense coverage:
Emergency fund (months of expenses):
Monthly household expenses:
Existing Coverage and Your Age Group
We'll subtract any coverage you already have and use your age to recommend the right type of policy.
Existing life insurance coverage:
Your age group:
Your Coverage Estimate
Based on your answers, here are three coverage scenarios with a personalized recommendation.
How Your Recommended Figure Was Calculated
Policy Recommendation
Estimated Monthly Premium (for Your Recommended Coverage)
Estimates assume standard health rating. Actual premiums vary by health, carrier, and coverage terms. Request a free quote for exact figures.
Email Me My Estimate
Your three coverage figures and how the recommended one adds up, in one email you can come back to.
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Your recommended coverage: — · No obligation, no pressure.
Schedule My Free Review →This is general educational information, not individualized insurance, tax, or legal advice. Coverage needs vary by individual circumstances. Consult a licensed insurance professional before making coverage decisions.