INTERACTIVE WORKSHEET

A better first estimate begins with the actual obligation.

An interactive, educational coverage calculator. Change any figure for an immediate estimate, or select Calculate to confirm the result. Your inputs stay in this browser.

YOUR ASSUMPTIONS / USD

What might survivors need?

Add estimated obligations and subtract resources. The result is a rough discussion figure—not a quote or recommendation.

Annual income you want to replace ($)Enter annual income to replace, not necessarily total salary.Years of replacement incomeA planning assumption; real needs may change over time.Mortgage and other debt you want covered ($)Education, care and other one-time needs ($)Available savings, existing coverage and other resources ($)

The estimate updates automatically as you change a number.

USE THE RESULT WISELY

What this number cannot tell you.

An estimate is useful only when you understand its assumptions.

Income may not be needed at the same level forever

Childcare needs, mortgage balances and survivor earnings may change. A static years-times-income calculation can overstate or understate real needs.

Products and premiums are separate decisions

Type of coverage, premium affordability, existing policies and underwriting are not addressed by this worksheet. A licensed professional must assess any product-specific proposal.

DISCUSS THE NEED

Want help interpreting the assumptions?

Share only the broad objectives through the inquiry form. Do not submit the figures or personal financial details unless an authorized professional provides an appropriate secure process.

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