guide
How Much Life Insurance Do I Need? Start With Obligations, Not Sales Scripts
Estimate a life insurance coverage starting point using income replacement, debts, savings, and household responsibilities.
Interactive tool
Use a simple starting point for coverage conversations, not a sales pitch.
Estimate a rough coverage amount by balancing income replacement, debt payoff, and existing savings before you review policy options.
Coverage starting pointDebt-aware estimateInsurance planning support
Calculator inputs
Life Insurance Needs Calculator
Estimate a starting coverage target based on income, debts, and assets.
Related reading
Use the tool, then go one level deeper
comparison
Term vs Whole Life Insurance: How to Compare Cost, Simplicity, and Use Case
Compare term and whole life insurance with a focus on cost, complexity, and the situations each type is actually designed for.