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Free Insurance Calculators
Clear numbers for families, and for the agents who help them.
Life Insurance Needs Calculator
How much life insurance do you need? Add up debt, income, mortgage and education with the DIME method, then take off the cover and savings you already have.
Open calculatorHuman Life Value Calculator
Work out your human life value: what your future earnings are worth to your family today, after tax and personal costs, with pay rises and a discount rate.
Open calculatorTerm vs Whole Life Calculator
Compare whole life with buying term and investing the difference, year by year: what each path has built, and the year the invested savings pass the cash value.
Open calculatorDisability Income Calculator
How much disability insurance do you need? Compare the income you want to keep with your group plan after tax, and see the monthly benefit still to cover.
Open calculatorFinal Expense Calculator
Estimate final expenses: the funeral, cemetery, medical bills, debts and estate costs, grown to the year they may be needed, less what you have already saved.
Open calculatorMortgage Protection Calculator
How much life cover would pay off your mortgage? See the balance year by year, the monthly payment, and the cover to keep your family in the home.
Open calculatorUmbrella Insurance Calculator
How much umbrella insurance do you need? Add what a lawsuit could reach, assets and future income, take off your auto or home liability limit, and round up.
Open calculatorRetirement Income Gap Calculator
Find your retirement income gap: the income you want less Social Security and pension, the savings it takes, what you are on course for, and how to close it.
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