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Life Insurance Needs Calculator
How much life insurance do you really need?
Find your number in two minutes.
Add up what your family would need if something happened to you, from income and the mortgage to college and final expenses. Then subtract what you already have.
What you'll get
- Your recommended coverage amount
- A breakdown of what it covers
- A suggested term length
What your family would need
What you already have
This calculator gives a general estimate to start the conversation. It doesn’t account for inflation, investment returns, taxes, Social Security survivor benefits or your spouse’s income. A MAR advisor can fine-tune the number with you.
Keep Your Results
Want a copy
for your records?
We’ll email your estimate so you can review it with your spouse or partner. No sales pressure, just your numbers.
What Goes Into Your Number
Four questions
every family should answer.
Income
How many years would your family need your paycheck to keep life on track?
The mortgage and debts
Paying these off lets your family stay in the home they know.
Education
College costs keep rising. Setting aside a fund now keeps plans on track.
Final expenses
Funeral and end-of-life costs shouldn’t fall on the people you love.
More Free Tools
More ways to plan
with confidence.
Quiz
Answer up to three quick questions and get a clear recommendation.
Estimator
See the most you’d pay for a benchmark Silver plan based on your income.
Calculator
See how much more the same life insurance costs if you put it off.
Free Life Insurance Review
Turn your number
into real coverage.
We’ll compare quotes from multiple carriers for the amount you need, including no-exam options, at no cost and with no obligation.
Prefer to call?
Virtual appointments available
Meet with us by video, whenever it fits your schedule.