Real Coverage Starts With Real Numbers

You’ve probably seen the ads — “Get life insurance for just $10 a month.”

But what they don’t tell you is that those prices are usually based on perfect health, low coverage, and one-size-fits-all assumptions that rarely reflect real life.

Life insurance shouldn’t be based on a number you heard in a commercial — it should be based on you. Your income. Your family. Your debt. Your goals.

This calculator was built to give you a clear, honest estimate of how much life insurance coverage you may actually need — with no pressure, and no guessing.

Whether you’re protecting your income, planning for college costs, or just giving your loved ones peace of mind, this tool is here to help you start with clarity.

Use it to get your personalized coverage recommendation in just a few steps — then decide if you want to apply online or talk it through with someone who’s here to help.

Life Insurance Needs Calculator

Estimate how much coverage you need based on income, debt, children, and goals. Get instant guidance below.

A scenic landscape of a large body of water surrounded by rolling green hills and tall mountain peaks under cloudy sky.

Estimates are for illustration purposes only. Premiums and benefits may change after underwriting.

Mountains with snow-capped peaks and green hills, with a modern house in the foreground.
Modern wooden house with stone stairs and patio, surrounded by grass and bushes, mountain range in the background at sunrise or sunset.
Scenic landscape featuring a lake with greenish water, surrounded by green rolling hills, and a mountain range with rugged peaks in the background under a cloudy sky.

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It all begins with an idea. Maybe you want to launch a business. Maybe you want to turn a hobby into something more. Or maybe you have a creative project to share with the world. Whatever it is, the way you tell your story online can make all the difference.