How much life insurance do you need?

A simple, no-strings calculator. Enter your income, debts, and dependents — we'll show you a coverage estimate in seconds with the math fully laid out.

🔒 No email required ⏱ 30 seconds 🧮 Plain-English math

Your situation

Affects the income multiplier — younger = higher (more years to replace).
Pre-tax. Used as the primary income-replacement input.
Adds an education/support buffer per dependent.
Mortgage balance plus any large debts you'd want covered.
Subtracted from the recommendation — only the gap is what you need.

Frequently asked

How much life insurance do I really need?
A common rule of thumb is 10× your annual income, plus outstanding debts (mortgage, loans), plus future obligations like college funding for dependents, minus any existing coverage. The exact amount depends on your age, household structure, and financial goals.
Why is the multiplier different at different ages?
Younger applicants typically need a higher income multiplier because they have more working years ahead — the policy needs to replace decades of future income. Older applicants closer to retirement need less because the income-replacement window is shorter.
Is this a quote?
No — it's a coverage-amount estimator. It tells you roughly how much coverage you need; the actual premium for that coverage depends on age, health, tobacco use, and policy type and is provided by licensed agents after a quote request.
Do I need to enter my email to see the result?
No. Everything on this page runs in your browser. Email and phone come into play only if you click through to request actual quotes from licensed agents.
How accurate is the recommendation?
It's a starting point, not a personalized financial plan. Your actual ideal coverage depends on factors a calculator can't capture (spouse income, anticipated inheritance, business obligations, lifestyle goals). Use the result as a baseline and discuss it with a licensed professional.