Parents with their son at home
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Life insurance coverage calculator

Debts, income, education, and what you already have. A defensible coverage number in two minutes.

What has to be covered

What already exists

Coverage to consider
$925,000

Rounded up to the nearest $25,000. A starting point, not a prescription.

Income replacement$60,000 × 15 years
$900,000
Mortgage payoff
$0
Other debts
$0
Education
$0
Final expenses
$12,000
Minus what exists
$0
Get this amount quoted

If the premium for this number is too high

  • Shorten the term to the years that matter most.
  • Split it: a larger term policy for the mortgage years, a small permanent policy for final expenses.
  • Cover the biggest gap first. Some coverage in force beats a perfect plan never bought.
Parents with their son at home

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