Life Insurance Calculator

How Much Life Insurance Could Your Family Need?

Find Out in Less Than 2 Minutes

Your life insurance coverage should reflect the people and financial responsibilities that depend on you. Use our calculator to estimate how much protection your family may need based on your income, mortgage, debts, future needs, and existing financial resources. It's Not About Picking a Random Number $250,000? $500,000? $1 million? The right amount of life insurance depends on your situation. Our calculator considers several important financial responsibilities that could remain if you were no longer here.

  • Income — How long would your family need your income?

  • Mortgage — Would you want your family to be able to pay off the home?

  • Debts — What financial obligations would remain?

  • Future Needs — What would you want available for your children's education or other goals?

  • Final Expenses — What immediate expenses could your family face?

Then we subtract existing life insurance and available savings/investments.

Calculate Your Estimated Life Insurance Need

How much protection could your family need?

$
Include your remaining mortgage, car loans, credit cards and other debts.
$
Include education and other financial goals you want to provide for.
$
Include life insurance and other resources you want available to your family.
$

YOUR ESTIMATED LIFE INSURANCE NEED

$0
Income Replacement $0
Mortgage + Debts $0
Children & Future Needs $0
Existing Resources − $0
Estimated Coverage Need $0

This estimate gives you a starting point for reviewing your family's life insurance needs.

This calculator provides a general estimate for educational purposes only. It does not constitute a recommendation to purchase a specific amount or type of life insurance. Actual insurance needs and eligibility vary based on individual circumstances, underwriting, carrier requirements and available products.

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