💰 Free Calculator

Life Insurance Needs Calculator

Find out how much coverage you need to protect your family's financial future.

👤 About You

Your Age

Annual Income

Years of Income to Replace

Number of Dependents

💳 Debts & Obligations

Remaining Mortgage

Other Debts (car, student, etc.)

🎓 Future Expenses

College Funding (per child)

Final Expenses (funeral, etc.)

💰 Existing Resources

Current Savings & Investments

Existing Life Insurance

📊 Your Recommended Coverage

$750,000

Recommended Life Insurance Coverage

Income Replacement (10 years) $750,000

Mortgage Payoff $250,000

Other Debts $30,000

Education Fund $100,000

Final Expenses $15,000

Less: Existing Resources -$150,000

Total Coverage Needed $995,000

Quick estimate: $750,000

Simple rule = 10 × your annual income

Detailed estimate: $995,000

Debts + Income + Mortgage + Education (shown above)

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