Free Coverage Calculator
How much life insurance do you actually need?
Answer 5 quick questions and get a personalized coverage estimate based on your income, debts, and family, in under a minute.
Let's find your number.
This takes about a minute. Your results are yours to keep, no pressure, no obligation.
Question 1 of 5
What's your age?
This helps estimate how many years of income your family may need to replace.
Enter an age between 18 and 85.
Question 2 of 5
What's your annual household income?
Used to calculate how much income replacement your family would need.
Enter your annual income.
Question 3 of 5
How many dependents rely on your income?
Include children, a spouse, or anyone else who depends on you financially.
None
1
2
3
4 or more
Choose one option.
Question 4 of 5
What's your mortgage balance plus other debts?
Include remaining mortgage, car loans, credit cards, or student loans you'd want paid off.
Enter 0 if you're debt-free.
Question 5 of 5
Do you already have any life insurance?
Include employer-provided coverage or any existing policy.
Enter 0 if you have none.
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Where should we send your results?
Your personalized coverage estimate and breakdown are ready.
No obligation, this is an educational estimate, not a quote or application.
Enter a valid email address.
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Your estimated coverage need
$0
in term life coverage, based on what you shared
How we got this number
Income replacement$0
Debt payoff (mortgage & other)$0
Future dependent expenses$0
Less: existing coverage$0
Recommended coverage$0
This is an educational estimate based on common income-replacement guidelines, not a formal needs analysis, quote, or offer of coverage. Your actual needs may vary. We've saved your estimate, a licensed advisor may follow up to review it with you.