Life Insurance Needs Calculator
A quick way to turn a vague worry into a rough number you can actually talk through. It's a starting point for a conversation, not a quote.
Life Insurance Needs Calculator
EstimateEnter your numbers to see an educational estimate.
It gives you a ballpark figure to react to, which is often easier than starting from a blank page.
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 who's unsure how much coverage they need
- Families with dependents or a mortgage
How this estimate works
This uses a simple, common approach: replace some years of income, add the debts you'd want cleared, and subtract coverage you already have. It deliberately keeps things simple. Real needs also depend on future goals, existing savings, and your family's situation, which is exactly what a review is for.
Reading your result
What this result means
- A rough starting figure for coverage that could replace income and clear debts
- A number you can react to and refine, instead of a blank page
What it doesn’t mean
- A quote, a price, or an application for any specific policy
- A precise figure; it ignores taxes, savings, and future goals
- A recommendation to buy any particular amount or type of coverage
Questions this raises
- How many years would my family need income replaced?
- Which debts would I want paid off right away?
- What coverage do I already have, including through work?
- Are there future goals, like education, I'd want to fund?
More in Personal Wealth
Life Insurance Review Checklist
A simple way to check whether the coverage you already own still fits your life.
Term vs Whole Life vs IUL
Three kinds of life insurance, side by side, without the sales pressure.
Employer Life Insurance Gap Guide
Why coverage through work is a good start, and rarely the whole picture.
Ready to turn a guide into a plan?
It's free, and you'll leave clearer than you arrived.
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.