Calculate Your Needs for Life Insurance

Knowing the exact amount can be tricky, but our life insurance calculator can help you find the
right life insurance coverage amount for your loved ones.
  • 01 Extra Income
  • 02 Other Needs
  • 03 Your Results
According to the National Funeral Directors Association, the average cost of a funeral is $8,755.

How much do you think your funeral will cost?

$0 $50,000
Coverage amount so far $0
To find out how much life insurance you'll need, just tell us a little about yourself and we'll take care of the rest

Do you have debts your family will need to pay?

Coverage amount so far $0
Include all outstanding debts including mortgage, student loans, credit cards, car loans, a family business, etc

How much is your current debt?

$0 $1,000,000
Coverage amount so far $0
Estimate how many years it will take to pay off all of your debts.

How long will it take to pay off?

0Y 30Y
Coverage amount so far $0
Tuition can vary from $36,000 for a public 4-year college to $120,000 or more for a private 4-year college.

Do you have college-bound children?

Coverage amount so far $0
Tuition + room & board can vary from $85,000 for a public 4-year college to $194,000 or more for a private 4-year college. Remember to add up costs to include all children.

How much college tuition do you want to provide in total?

$0 $1,000,000
Coverage amount so far $0
This will help determine how long you may need a life insurance policy to be in effect.

How many years until your youngest child graduates college?

0Y 25Y
Coverage amount so far $0
Even if you're a stay-at-home parent, funds will be needed to pay for child care and other household tasks. The Insure.com Mother's Day survey estimates $65,000 a year for these responsibilities.

Will your family need to replace your annual income or have an emergency fund?

Coverage amount so far $0
Think of the amount your family will need each year without your contribution.

A How much annual income would your family need to maintain its current standard of living without you?

$0 $500,000
Coverage amount so far $0
You should consider your age and the ages of those in household.

How long do you want coverage to last?

0Y 30Y
Coverage amount so far $0
Consider who else besides your family you may want to leave money to, such as a charity, and include that amount here.

How much additional money do you want to leave your heirs?

$0 $1,000,000 (In increments of $100 k)
Coverage amount so far $0
The earliest age that a person can start receiving Social Security retirement benefits is age 62 and full benefits may not be available until age 67 other needs.

How long until you retire?

0Y 31Y
Coverage amount so far $0