Mortgage protection calculator: how much coverage could you need?
Enter your mortgage balance and years left, and add other needs if you like. You will get a rough coverage amount and term length. No contact info needed, and no prices: this is an estimate, not a quote.
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About this calculator.
Is this calculator a quote?
No. It estimates a coverage amount only. It does not show prices. Your actual price and approval depend on your age, health, the carrier, and underwriting.
Why does it ask about other needs?
Paying off the house is only one cost. Your family may also need money for other debts, final expenses, or to replace part of your income for a few years. Adding those gives a fuller picture.
Should my coverage match my loan exactly?
Not necessarily. A level policy keeps the same benefit for the whole term, so any amount left after the loan is paid can help your family. A decreasing policy follows the balance down and may cost less.
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.
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.