Add up the need
Debts, income replacement years, and goals for the kids, in plain numbers you already know.
Free Worksheet
Find your household's real life insurance number.
Most families guess at coverage, or take whatever work offers. This one-page worksheet walks the same four questions an adviser would ask, so the number you land on is yours. It takes about ten minutes.
Debts and mortgage
Income replacement
The kids
What you already have
Why a worksheet
Because "2x salary from work" was never your number.
Employer group coverage is a benefit HR sized for everyone, and it usually ends when the job does. The worksheet adds up what your family would actually need: debts cleared, income replaced for the years that matter, the kids covered, minus what you already have. What is left is your gap. Then you can make a real decision.
Subtract what you have
Savings, existing policies, and the coverage through work, counted honestly.
See your gap
One number. If you want a second set of eyes on it, a free 20-minute review is available. No pitch.