Life Insurance Needs Calculator

👤 Primary Earner Information

Age: 35

Annual Income ($)

Years of Income to Replace

% of Income to Replace: 70%

Monthly Household Expenses ($)

🏦 Outstanding Debts

Mortgage Balance ($)

Car Loans ($)

Credit Cards ($)

Other Debts ($)

🎓 Future Expenses

Number of Children

College Cost per Child ($)

Final Expenses ($)

Emergency Fund ($)

💰 Existing Financial Resources

Current Savings ($)

Existing Life Insurance ($)

Other Liquid Assets ($)

Coverage Analysis

Recommended Coverage

Insurance Gap

Additional coverage needed beyond existing assets

Estimated Monthly Cost

Based on your age — actual rates may vary

Needs Breakdown

Income Replacement$0

Total Debts$0

Education (2 children)$0

Final Expenses$0

Transition Period (6 mo)$0

Total Needed$0

Existing Resources$0

Additional Insurance Needed$0

Coverage Options

Basic (10× income)

Income replacement only

✦ Recommended

Complete family protection

Premium (+25%)

Extra buffer for the unexpected

💡 Recommendations

Review your coverage annually or after major life events
Consider a permanent policy (IUL) to also build tax-free wealth
Keep your beneficiaries and will up to date
Employer coverage typically isn't enough — own your policy

These numbers tell you exactly what your family needs. Now let's find the right policy — whether it's term, whole life, or an IUL that also builds your wealth. I'll walk you through every option with no pressure.

💬 Find my perfect policy — free consultation