Free tool · no email required
How much cover do you actually need?
Most people guess, or assume what they have through work is enough. Drag the sliders and watch the number move. Nothing is stored and nobody is emailed.
Replacing your income
The paycheck your family would lose, for the years until the kids are grown or the house is paid off.
Debts you would leave behind
What would have to be paid off so nobody inherits a payment they cannot make.
Children
If you want to help with school, put in what you would set aside per child.
Final expenses and what you already have
Include coverage through work, and check the real number. Employer cover is usually smaller than people assume and it ends when the job does.
This is an estimate built from the numbers you entered. It is a starting point for a conversation, not individualized advice, and it does not account for savings, taxes, Social Security survivor benefits, or a spouse's income. Life insurance is subject to underwriting and carrier approval.
Using the calculator
Three things people ask about the number.
How accurate is this life insurance calculator?
It is an estimate built only from the numbers you enter. It does not know about a spouse's income, Social Security survivor benefits, savings, or taxes, so treat the result as a starting point for a conversation rather than a final number.
What number should I use for income replacement years?
A common approach is the years until your youngest child is independent, or until the mortgage is paid off, whichever is longer. Some families plan to a spouse's retirement date instead. Pick the one that matches what you would want to happen.
Should I include my coverage through work?
Yes, in the existing coverage field, but use the real number from your benefits summary. It is usually one or two times salary, and it ends when the job does, so many people choose not to count all of it.
You have the number
Want it turned into real pricing?
Send the figure you just worked out and I will come back with what it actually costs across the carriers that can write your case.