Insurance Calculator
Calculate your life and disability insurance needs. Protect your family's financial future with the right coverage amounts and understand premium costs.
Personal Information
Enter 0 if single or spouse doesn't work
Health & Occupation
Financial Information
Credit cards, student loans, car loans
Current life insurance coverage amount
Insurance Needs Analysis
Additional Life Insurance Needed
$0
Adequate
Recommended Disability Benefit
$0
0.0% of income
Estimated Monthly Premiums
Life Insurance Premium
$0
Disability Insurance Premium
$0
0.0% of annual income
Recommendation
Life Insurance Calculation Breakdown
Insurance Types Explained
Term Life Insurance
- • Lowest cost for high coverage
- • Temporary protection (10-30 years)
- • Best for young families
- • No cash value buildup
Disability Insurance
- • Replaces 60-70% of income
- • More likely to use than life insurance
- • Short-term and long-term options
- • Often available through employer
Insurance Planning Tips
Start Young
Life insurance rates are lowest when you're young and healthy. Lock in low rates early, even if coverage needs are minimal.
Don't Forget Disability
You're more likely to become disabled than die during working years. Disability insurance protects your earning ability.
Review Regularly
Life changes affect insurance needs. Review coverage after marriage, children, home purchase, or income changes.
