Life Insurance Calculators & Tools
25 free calculators — Determine how much life insurance you need and find the most affordable policy type for your family's situation.
Child Life Insurance Calculator
Calculate child life insurance costs and the long-term value of locking in low rates early. Compare current vs adult premiums.
Disability vs Life Insurance: What Do You Need More
Answer 5 quick questions to find out whether you need disability insurance or life insurance more urgently — and what your coverage priorities should be.
Final Expense Insurance Calculator
Calculate final expense insurance costs to cover funeral expenses and outstanding debts. Get a personalized coverage recommendation.
Group vs Individual Life Insurance Comparison
Compare group life insurance from your employer vs individual life insurance. Find your coverage gap and estimate supplemental policy costs.
How Much Life Insurance Can I Afford
Find out how much life insurance coverage you can afford based on your monthly budget, age, and health. Instant estimate.
Income Replacement Life Insurance Calculator
Calculate how much life insurance you need to replace your income. Based on present value of future earnings until retirement.
Joint Life Insurance vs Separate Policies Calculator
Compare joint life insurance vs two separate policies. Calculate premiums and find out which option saves more money for couples.
Life Insurance Beneficiary Needs Assessment
Assess how much life insurance your beneficiaries truly need. Calculate income replacement, children
Life Insurance Coverage by Age Calculator
Calculate how much life insurance you need based on your age. Get an age-appropriate income multiplier recommendation plus adjustments for mortgage and children.
Life Insurance Death Benefit Calculator
Calculate the right life insurance death benefit for your family using present value of future expenses, debts, and existing assets.
Life Insurance for Estate Planning Calculator
Calculate federal and state estate taxes and determine how much life insurance you need to cover estate tax obligations and protect your heirs
Life Insurance Needs Calculator
Calculate how much life insurance you need using the DIME method. Free calculator for debt, income, mortgage, and education funding needs.
Life Insurance Policy Loan Calculator
Calculate life insurance policy loan payments and interest. See how unpaid loans affect your cash value and death benefit.
Life Insurance Premium Financing Calculator
Calculate the true cost of financing life insurance premiums vs paying directly. Compare total interest paid and extra financing costs over the policy term.
Life Insurance ROI Calculator
Calculate the return on investment of your life insurance policy. Compare term vs whole life insurance ROI and investment alternatives.
Life Insurance Settlement vs Cash Surrender Calculator
Compare life settlement value versus cash surrender value for your life insurance policy. Estimate which option gives you more money when you no longer need coverage.
Life Insurance Tax Benefits Calculator
Calculate the tax advantages of life insurance including income-tax-free death benefits, cash value tax deferral, and tax-free policy loans based on your tax bracket.
Mortgage Life Insurance Calculator
Compare mortgage life insurance vs term life insurance for home loan protection. See which option saves more money.
No-Medical-Exam Life Insurance Cost Calculator
Compare the cost of no-exam life insurance vs traditional medically underwritten life insurance. See how much extra you pay for the convenience of skipping the exam.
Return of Premium Life Insurance Calculator
Calculate the cost difference between standard term and return-of-premium (ROP) life insurance. See your premium refund amount and implied return on the extra cost.
Smoker Life Insurance Cost Calculator
Calculate how smoking affects your life insurance premiums and how much you can save by quitting. Compare smoker vs non-smoker rates.
Survivorship Life Insurance Calculator
Calculate survivorship (second-to-die) life insurance premiums and check if coverage is sufficient to cover estate taxes for married couples.
Term to Permanent Life Insurance Conversion Calculator
Calculate the cost of converting your term life insurance to permanent coverage versus re-applying for a new policy. See when conversion makes financial sense.
Term vs Whole Life Insurance Cost Comparison
Compare term life vs whole life insurance costs. See monthly premiums, 20-year total costs, and get a personalized recommendation.
Whole Life Insurance Cash Value Growth Calculator
Project your whole life insurance cash value growth over time. See year-by-year values and available policy loan amounts.