Explore how income, debts and family goals affect a life insurance needs estimate. Adjust the assumptions, then continue to our secure form to compare term life quotes.
Age helps set this calculator’s planning horizon. This tool does not calculate premiums or determine eligibility.
This determines how much income your family would need to replace if something happened to you.
Your family structure directly impacts how much coverage makes sense.
Spouse/partner's annual income
Each child adds to your long-term financial responsibility, including future education costs.
Age of your youngest child
Many families want enough coverage to pay off the mortgage so the surviving family can stay in the home.
Student loans, car loans, credit cards, personal loans. Anything your family would be responsible for.
Savings accounts, 401k, IRA, brokerage accounts, and other liquid assets. These reduce the coverage gap.
Employer-provided coverage, individual policies, or any other life insurance you carry today.
Select everything that applies. Use these priorities when reviewing your needs with an agent.