Term Life Insurance Calculator: Find Your Number

Figuring out how much life insurance you need shouldn't require a finance degree or a high-pressure sales pitch. Our term life insurance calculator is designed to give you a clear, honest number based on your actual obligations, not a bloated estimate designed to sell you more coverage than you need.

When you're calculating your life insurance needs, the math is straightforward. You want to cover your debts, replace your income for the years your family relies on it, and ensure your kids' education is funded. That's it. Insurance is a cost, not an investment. You hope to lose what you pay in, because it means you're still here. The goal is to cover the risk with the minimum necessary - term life insurance - and build your wealth in vehicles you actually control.

We built this tool because we believe in straight answers, no surprises. The industry loves to push permanent policies with massive face amounts, welding a term policy to an investment you don't control and can't leave. We don't play that game. We're on your side of the table, helping you protect what you've earned without wasting your money on paper promises.

To use the calculator, simply input your current mortgage balance, any other outstanding debts, your annual income, and the number of years you want to replace that income. Add in any future expenses like college tuition. The calculator will subtract your current savings and existing life insurance to give you a precise coverage recommendation.

Once you have your number, you can compare rates from top-rated carriers. We'll walk you through every option, ensuring you get the right coverage for your family's specific needs.

Ready to find out exactly what you need? Run your numbers through the calculator below and see your options instantly.