Free tool · Takes about 2 minutes

Life Insurance Calculator

How much life insurance might your family need? Enter a few numbers and get an immediate, educational estimate. No email or phone number required.

  1. Enter your numbers
  2. See your estimate
  3. Talk it through with me
Your income

A common starting point is enough years to get your youngest child through school.

What you owe

Other debts include car loans, credit cards, student loans, and personal loans.

What you already have

Include coverage through work and any personal policies. Only count savings your family could actually use.

Add optional costs

This estimate is for educational purposes only. It is not a quote, a recommendation, or an offer of coverage, and it doesn’t account for inflation, taxes, Social Security benefits, or investment returns.

How this estimate works

What your family would need, minus what’s already in place

The calculator uses a simple needs-based approach that many financial professionals start with.

  1. Add up the needs

    Your income for the years your family would rely on it, plus your mortgage, other debts, and any final expenses or education goals.

  2. Subtract your resources

    Savings your family could use and any life insurance you already have, through work or on your own.

  3. The gap is your estimate

    That’s roughly how much new coverage could help close the gap. It’s rounded up to make the number easier to work with.

Next step

Turn your estimate into real options

Term life insurance

Replace your income and protect your family for the years that matter most, often at a low monthly price.

Explore term life options

Mortgage protection

Give your family the money to keep the house if something happens to you, paid to them, not the bank.

Explore mortgage protection
Renzo Aurazo
Know who you’re working with

A licensed broker you can verify yourself

Before you share anything personal, you can confirm my license directly with each state’s department of insurance. It takes about a minute.

National Producer Number
21687906
Licensed in 11 states
  • Licensed in: AL · CA · FL · MI · MO · NJ · OH · PA · SC · VA · WA
  • Independent broker: I compare multiple A-rated carriers, not just one
  • No cost to you: my guidance is free, and you’re never obligated to apply
  • Your privacy: nothing you enter in this calculator is saved or sent anywhere
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Free consultation

Want help finding the right coverage?

Bring your estimate. We’ll look at your goals and budget together and compare real options, with no pressure.

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This calculator provides a general, hypothetical estimate for educational purposes only. It is not financial, tax, or legal advice, and it is not a quote or a guarantee of coverage. Your actual coverage needs depend on your full financial situation and goals. All coverage is subject to underwriting approval, and product availability varies by carrier and state.