Life Insurance Need Calculator
Free life insurance need calculator — estimate how much coverage your family needs from income, debts and savings.
Private — runs in your browser, nothing uploadedTry: Annual income=80000, Income multiple=12, Mortgage balance=250000, Other debt=20000, Education reserve=100000, Existing assets=50000, Existing life insurance=100000 → $960,000, $250,000, $20,000, $100,000, -$50,000, -$100,000, $1,180,000
How to use
Enter your income, an income multiple, your debts, an education reserve and what you already have. The calculator shows a recommended coverage amount.
FAQ
How does the income multiple work?
We multiply your income by a factor (often 10–15×) as a base for income replacement, then add debts and education costs and subtract what you already have.
Why subtract existing assets and insurance?
The goal is the gap you still need to fill. Savings and any current policy already cover part of it, so we net them out.
Is this the same as getting a quote?
No. This estimates a dollar amount you may want. It is not a price for any policy, and we do not sell insurance or refer carriers.
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