Calculators › Life insurance
Final expense needs calculator
Final expense policies cover the immediate bills that land within weeks of a death, which is a much smaller and more predictable number than full life cover.
This is an educational tool, not a quote or advice. It uses general formulas and the figures you enter. Policy terms, state rules and insurer practice vary, so check anything important with a licensed agent.
More life insurance calculators
Life insurance needs
Work out how much life insurance your family would need using the DIME method: debt, income, mortgage and education.
Income replacement
Calculate the lump sum needed to replace your income for a set number of years, adjusted for investment growth.
Human life value
Estimate the present economic value of your future earnings, the classic underwriting basis for maximum life cover.
Life insurance coverage gap
Compare the cover you already hold against what your family would need, and see the shortfall.
Mortgage protection
Work out the life cover needed to clear your mortgage, and how that need falls each year.
Term vs whole life
Compare the total cost of term life plus investing the difference against a whole life policy.