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Protect the life
you’re building.
Life isn’t standard issue. Your coverage shouldn’t be either. Get a clearer idea of how much life insurance your family may need.
Calculate your coverage
Coverage that starts
with your life.
Your income, your family, and your future plans all shape the protection you may need. This calculator brings those pieces together, then accounts for the savings and coverage you already have.
Let’s put some numbers to it.
Enter your estimated needs and available resources. You can change the numbers and calculate again at any time.
The numbers behind the protection.
The calculator starts with the financial support you want to leave behind. It adds your income replacement, debts, education costs, final expenses, and any additional needs. Then it subtracts the assets and life insurance you enter.
= estimated additional life insurance
What goes into the calculation?
Income support & inflation
Monthly take-home pay is multiplied by 12 and the number of years you want to support your family. When selected, inflation increases that entire income-support amount by 3% compounded over the support period. It does not adjust debts, education, or other expenses.
Debts, education & final expenses
Include outstanding mortgage and other debts, the total education amount per child, funeral costs, and any additional expenses. Education costs are multiplied by the number of children. Enter total goals rather than annual tuition figures.
Savings, assets & existing coverage
The calculator subtracts savings and investments, individual life insurance, group life insurance, and other assets. Include only the resources you expect to be available for these needs, and review whether employer coverage would continue if you changed jobs.
What does this estimate leave out?
This is a simple planning estimate. It does not model investment returns, taxes, benefit eligibility, policy availability, or every change in your family’s circumstances. A zero result means the resources you entered cover the needs you entered, not that insurance is unnecessary.
Turn an estimate into a conversation.
Our licensed insurance professionals can help you review your needs, explore policy options, and consider coverage that fits your budget. Your estimate is a starting point for that conversation.
Make room for peace of mind.
Let’s talk about protecting your family, your income, and the future you’re building.
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