Coverage planning calculator

Estimate a coverage range

This is a small educational calculator: what a household might need, minus what is already set aside. It is not a premium quote, an underwriting decision, or a recommendation for you.

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A. Household support

These two numbers drive the estimate. Leave out any payment for a debt you also plan to pay off below, and count childcare or education costs only once.

Monthly financial support to replace(required)

What the household relies on each month: housing, food, utilities, transportation, childcare.

Years that support might be needed(required)

years

Whole number from 1 to 40. Think about how long the financial obligation runs.

B. Additional needs and available resourcesoptional

Lump-sum debt payoff, including a mortgage

Money the household would want to clear at once. Leave quarterly bills out of the monthly amount above.

Other one-time priorities

Education, final expenses, or replacement childcare, counted once, not also in the monthly figure.

Savings set aside for these needs

Only money you would actually direct to these needs. Not everything you have saved.

Existing personally owned death benefit you would count

A policy you own yourself. Never count the same coverage twice.

Include employment-based coverage in this estimate

Off by default. Continuation and portability vary, so verify the benefit before counting it. Do not enter a policy here that you already entered above.

C. Policy duration

How long from today you want protection in place. This is different from the number of years a beneficiary might use the death benefit for support.

These are planning choices only, not a statement that every duration is available at your age. Actual choices are determined in the carrier portal.

Extra support years to compare

years

Whole number from 0 to 10. Zero shows a single amount. Default is 5.

The numbers you type stay in this page's memory while you use it. They are not saved, not put in the address bar, not logged, and not sent anywhere. There is no account, name, email or health question on this page.

Amounts and durations to explore

Enter your monthly support amount and the number of years it might be needed. The estimate appears here as soon as those two required inputs are valid.

This calculator uses simplified arithmetic in today's dollars. It does not model investment growth, inflation, taxes, discount rates or underwriting, and it does not assume that savings or retirement assets should be spent. Amounts are additional coverage estimates, not a total of insurance you already own.