Life insurance calculator
How much life insurance do you actually need?
Not a guess based on your paycheck. Five quick steps look at what your family would really need — the bills, the day-to-day, the goals — and what you already have. About three minutes.
Tell us about you
A few basics shape everything else.
How we figure it
What your family would need, minus what they’d have.
Right away
Final expenses, the mortgage and other debts paid off, and an emergency fund.
Keeping them going
What your household spends plus what you do at home, minus income they’d still have — for the years they’d need it.
Future goals
College, your spouse’s retirement, and anything you’d want to leave behind.
What you have
Coverage and savings your family could use. Work coverage is optional — it usually ends if you leave the job.
Want a second set of eyes on your number?
A licensed agent can walk through it with you and show real prices from the insurance companies we work with.