Calculators › Life insurance
Mortgage protection calculator
A repayment mortgage shrinks every month, so the cover needed to clear it falls too, which is why level term over the full balance is often more than required.
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.
Final expense needs
Add up funeral, burial, medical and administrative costs to size a final expense policy.
Term vs whole life
Compare the total cost of term life plus investing the difference against a whole life policy.