Answer 5 quick questions and we'll calculate the right amount of coverage to protect your family. Takes about 2 minutes.
Life Insurance Needs Calculator
All fields are estimates — round numbers are perfectly fine.
Step 1 of 5
What is your annual household income?
This helps us calculate how many years of income replacement your family would need if something happened to you.
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Step 2 of 5
What debts would your family need to pay off?
Include everything — mortgage, car loans, student loans, credit cards. Life insurance can clear these so your family starts fresh.
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Step 3 of 5
Do you have children who will need education funding?
The average 4-year college costs about $25,000–$50,000 per child. We'll use $35,000 per child as a baseline — you can adjust.
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Step 4 of 5
What about funeral costs and emergency funds?
The average funeral in the U.S. costs $7,000–$12,000. An emergency fund gives your family a cushion for unexpected expenses during a difficult time.
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Step 5 of 5
Do you have any existing life insurance or savings?
Include any group life insurance through your employer, existing personal policies, or savings set aside specifically for your family.
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Your Recommended Coverage
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This is an estimate based on the information you provided. Your actual needs may vary based on your specific situation, lifestyle, and financial goals. A licensed insurance professional can help you fine-tune this number.