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Plan for the people you love

Life Insurance Needs Calculator

What would your family need if you were no longer here? Start with the income, expenses, and future you want to protect.

All amounts in U.S. dollars

1Income to protect

The yearly amount your family would need from your income.

For example, until your children are financially independent.

2Debts & future expenses

The balance you would want paid off.

Loans and credit cards, excluding your mortgage.

The total you want to set aside for college or other family needs.

Funeral costs and other end-of-life expenses.

3Resources already available

Only funds your family could use. Exclude your home and retirement money needed for retirement.

Benefits from policies already in place. Employer coverage may not follow you if you leave your job.

More than a number.

A family's needs include more than a paycheck. Childcare, household support, caring for a loved one, and long-term goals may all affect how much protection feels right.

A starting point, not a promise.

The years of support begin at 10 as an example, not a recommendation. Your timeline, budget, and policy options deserve a personal conversation.