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Free calculator

How much life insurance do I need?

Enter a few numbers and you’ll get a coverage range to talk over. No contact info needed, and no prices: this is an estimate, not a quote.

Your numbers

Your age Optional. If you leave years blank, we’ll suggest years until age 67 (between 5 and 20).

Annual income to replace What your family would need to replace each year, in dollars

Years of income to replace A common starting point is 10 years. You can choose 1 to 30.

Optional: other needs

Mortgage balance

Other debts Car loans, credit cards, student loans

Education or other goals Your own estimate for college or other lump sums

Final expenses Funeral and final bills, your own estimate

Existing life insurance and savings Coverage you already have, including through work

Estimate only, not a quote. This tool shows a rough coverage range, not a price, and it is not an offer of insurance or a guarantee of coverage. Your actual options, price, and approval depend on your age, health, state, the carrier, and underwriting. Figures are rounded. Nothing you enter is saved or sent unless you fill out the quote form.

Get your free quote

Takes about a minute. A licensed broker will follow up.

Step 1 of 4

Where do you live?

State

What kind of coverage?

A little about the insured

Who is the coverage for?

Myself Me & spouse A parent Someone else

Age

Tobacco or nicotine in the last 12 months?

No Yes

How should we reach you?

Full name

Phone

Last step

Best time to reach you

Approval and pricing depend on your answers to health questions and the carrier's underwriting.

Your answers go only to our agency and the service providers we use to prepare your quote. We never sell your information. Privacy Policy

Thank you! We got your request.

A licensed broker on our team will reach out at the time you picked. Want to skip the wait? Book a time now.

Book a call

Or call (314) 616-7035

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Book a call

Call (314) 616-7035 or email your request

Common questions

About this calculator.

Is this calculator a quote?

No. It estimates a coverage range only. It does not show prices. Your actual options, price, and approval depend on your age, health, the carrier, and underwriting.

How does the estimate work?

It adds income replacement for the number of years you enter, plus any mortgage, other debts, education or other goals, and final expenses you include, then subtracts coverage and savings you already have. The range is 80% to 125% of that midpoint, with the midpoint rounded to the nearest $5,000 and the range ends to $10,000. That is a starting point, not a recommended policy amount.

Is my information saved or sent anywhere?

No. The calculator runs in your browser. Nothing you type is stored or sent to us unless you choose to fill out the quote form.

Should I buy the high end of the range?

Not necessarily. Some families need less because of a working spouse, pensions, or existing coverage. Some need more. A licensed broker can help you adjust the number and the term length to your situation.

Coverage is issued by the insurance carrier and is subject to underwriting approval. Products, riders, and availability vary by carrier and state. This page is general education, not tax, legal, or financial advice, and it is not an offer of insurance.