Employer Coverage Gap Calculator
Group coverage is a good start. This makes the gap between it and your real target concrete, so you can decide how much to close, and how.
Employer Coverage Gap Calculator
EstimateEnter your numbers to see an educational estimate.
Seeing the gap as a number tends to make the decision clearer and calmer.
For education only. These calculators are for educational purposes only. They are not recommendations, quotes, tax advice, legal advice, financial advice, or guarantees. Actual needs depend on your full situation, policy terms, carrier rules, contract terms, and professional guidance.
Who this is for
- Anyone whose main coverage is through an employer
- People who may change jobs down the road
How this estimate works
This simply subtracts your workplace coverage from the total you'd want. The result is the gap you might choose to cover with a policy you own personally, which stays with you if you ever leave the job.
Reading your result
What this result means
- The rough distance between your workplace coverage and the total you'd want
- A sense of how much you might cover with a policy you own personally
What it doesn’t mean
- A quote or the actual cost of closing that gap
- A recommendation about how, or whether, to close it
- Confirmation that either number is the right target for you
Questions this raises
- Would my workplace coverage follow me if I left?
- How was my total target number decided?
- Do I want coverage I control, independent of my job?
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Important disclosures
Educational only. Life insurance is subject to underwriting approval. Guarantees are subject to the claims-paying ability of the issuing carrier. NOI does not provide tax, legal, or investment advice.