Estimate Your Needs Calculator

How much Life Insurance coverage do you need?

Everyone’s financial goals and circumstances are different, so there’s no rule of thumb to tell you how much coverage you need. Think about your current and future financial obligations and how much savings, spouse’s earnings, and investments you already own. To estimate your personal needs, use the calculator below.

Estimate Your Needs Calculator

    Life Insurance Coverage Calculator

    Estimate how much life insurance you should have.

    *Note: Please enter just the numbers in the form. Do not use symbols, commas or letters (i.e., do not enter: $10,000.99 do enter: 10000.99).

    Monthly Expenses:

    Vehicle (Fuel, Insurance, Tax)



    Entertainment/Dining Out

    Savings for Emergencies

    Credit Cards

    Club & Association Fees


    Electric and Gas


    Home Maintenance

    Water Bill

    Tv, Cable, Satellite


    Savings and Investments


    Life/Protection Insurance



    Existing Life Coverage

    Total amount of existing coverage

    Coverage Length & Economic Factors

    Number of Years to Cover

    Predicted Inflation Rate

    Predicted Interest Rate

    The total amount of life insurance you still need

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    All benefits are subject to the terms of the certificate of insurance coverage.