Life Insurance Calculator

Your Information

Annual Income ($) Your gross annual employment income

Income Replacement Years 10 years

Outstanding Mortgage / Debts ($)

Children's Education Fund ($) Estimated total education costs for all children

Final Expenses / Funeral ($)

Existing Life Insurance ($) Group benefits or other policies you already have

Spouse / Partner Income ($)

Expected Investment Return 5%

Coverage Estimate

Recommended Coverage

$985,000

Income Replacement -

Debts & Mortgage -

Education Fund -

Final Expenses -

Subtotal -

Less: Existing Cover -

Less: Spouse Income -

Coverage Needed -

Term vs. Permanent

Term Life (Recommended for most)

Fixed coverage for 10–30 years. Most affordable. Best if you have a mortgage and young children.

Permanent Life (Whole/Universal)

Lifelong coverage with a cash value component. More expensive but builds equity over time.

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