Coverage calculator
How much life insurance might you need?
A quick, educational estimate based on income, debts, goals and what you already have.
Your information
Sample values are filled in. Replace them with your own.
Estimated coverage need$0Educational estimate
Income replacement
Mortgage
Other debt
Education
Final expenses
Less existing coverage & savings
Our coverage calculator provides an estimate for educational purposes and is not a recommendation, guarantee or offer of insurance.
How it works
The math
Estimated need = (annual income × years to replace) + mortgage + other debt + education + final expenses − existing life insurance − savings intended for family protection.
It doesn’t account for inflation, investment returns, Social Security survivor benefits, taxes or your spouse’s income. An advisor can help you refine it.