Coverage Calculator
How Much Life InsuranceDo You Actually Need?
Use our free calculator to estimate the right coverage amount for your family's financial security.
Coverage Estimator
How the Estimate Is Calculated
Income replacement: Your annual income × years of support your family will need.
Mortgage balance: The full balance owed, so your family can pay off the home.
Other debts: Credit cards, car loans, student loans — all eliminated for your family.
Dependents: We estimate $50,000 per dependent child for education and support costs.
Existing coverage: Existing policies reduce the additional coverage you need.
This Is an Estimate
This calculator gives a general estimate. Your actual coverage need may be higher or lower depending on your specific situation. Our advisors will give you a precise recommendation based on your full financial picture — at no cost.