Tools & Calculators

          Calculate Your Life Insurance Needs

          icon-liabilities
          What liabilities do you have?

          Liabilities could include your mortgage, car loans, credit card debt or any other debt you might have.

          Total $ 0
          icon-income
          What income do you want to replace?

          How much would your family need for ongoing living expenses if they could no longer rely on your income? How long would they need the income – until your spouse reaches retirement or maybe until the children graduate college?

          Total Income to Replace (pre-tax) $ 0
          icon-final-expenses
          What final expenses do you expect?

          Final expenses can include medical expenses, short-term living expenses for your family (including emergency savings) and funeral costs. If you need a starting point, we recommend estimating $15,000.

          Total $ 0
          icon-education-expenses
          What are your family's education needs?

          Are there any future education expenses you'd like to cover, such as college or private school tuition for your children or grandchildren?? (Reduce this amount by any dedicated education savings.)

          icon-charity
          Would you like to leave something for your heirs or charity?

          Enter any additional amount or inheritance you'd like to leave your loved ones here.

          icon-family-inheritance
          What assets would be available for your family?

          This would include any additional assets that were not captured by the other inputs, such as current life insurance policies, business or real estate investments or any other investments.

          Different types of investments have different tax implications. Be sure to discuss this with your qualified tax professional.

          Total $ 0

          Assumptions

          If you're unsure, we recommend estimating 3.00%.

          State and Federal

          This is the rate of return your loved ones would expect to receive if they invested their life insurance proceeds. We recommend estimating 6.0%.

          Life Insurance Needs Results

          Need Met by Current Coverage & Assets $ 0
          Total Life & Legacy Need $ 0
          Coverage Shortfall $ 0

          Details

          icon-liabilities Liabilities $ 0
          icon-income Income Replacement ###
          icon-final-expenses Final Expenses $ 0
          icon-education-expenses Education $ 0
          icon-charity Legacy ###
          Total Life & Legacy Need $ 0
          Inflation Rate
          Income Tax Rate
          Rate of Return
          Current Life Insurance $ 0
          Available Assets $ 0
          Need Met by Current Coverage & Assets $ 0
          Coverage Shortfall $ 0

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            Are you covered?

            Help protect your family's financial future with life insurance.

            Read more

            When is perm better than term?

            For life insurance needs of 20 years or more, permanent insurance may be a better option.

            Read more

            Do you have a short-term insurance need?

            Term life insurance might be a better option.

            Learn more
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