Life Insurance Needs Calculator
Use this tool to estimate how much life insurance protection you need
Human Value Calculator
Estimate the financial loss to your loved
ones in the event of your death
Life Insurance Calculator App
How much do I need?
Everybody needs some life insurance, but the exact amount you need varies. Some need $20,000 while others need millions.
Consider your income, your assets (like money in the bank, investments or property), and your debts (like mortages, credit card balances, or student loans).
Try the calculators to help you decide, or contact us for your no-obligation, personalized recommondation.
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What are people like you buying?
What type of life insurance should you buy?
What is term life insurance?
What is whole life insurance?
Which one should I get?
There is no "right choice" when it comes to life insurance because different people have different needs. The amount and type you need is based on your financial situation, your need for insurance, age, health, and other factors. Contact us for your free, no-obligation recommendations.
Generally speaking, term life insurance is purchased most often because it provides a higher benefit at a very low cost during your income-earning years. Ideally, many think a combination of term and whole life is best. You want a small whole life policy to cover your final expenses and build some cash value, and a larger term life policy to provide more benefit to your loved ones.
Whole life insurance is designed to protect you for your whole life. Unlike term insurance, it will remain in-force for as long as you continue to pay your premiums. These policies are more expensive because they are priced to keep over a long period of time.
Builds cash value
Protect you for your whole life
Policy will continue as long as you pay the premiums
Premiums never change
Builds cash value
Ideal for someone who wants a policy for final expenses, estate protection, or buy for a loved one, and more.
You might also see this called permanent life insurance
Term life insurance is purchased most often because of it's low price and high benefit. It provides protection during a particular length of time called "term". Term life insurance is the lowest cost type, which allows you to maximize your coverage at an affordable premium.
Benefits from $25,000 to multi-millions
Premiums never change for the entire term
Choose your term and benefit
Some policies require no physical exam
Ideal for income protection, estate planning, buy-sell protection for your business, and more.
Life insurance is too important to wait
Need help deciding how much life insurance you need?
Request your no-obligation, personalized quote now
Life insurance to protect your family or business
Life Insurance gives you the financial security you need
Life insurance may be one of the most important purchases that you'll ever make. In the event of a tragedy, life insurance proceeds can pay:
estate settlement costs
expenses to continue your business or future needs
protect your spouse or partner's lifestyle
Get the lowest prices from the top lfe insurance companies. Enjoy quick and easy online enrollment.