Free tool

How much life insurance do you need?

The right amount replaces your income, pays off debts, and covers future costs — minus what you already have. Enter a few numbers and estimate your coverage in under a minute. It's a general guide, not personalized advice — a licensed advisor can fine-tune it.

Annual income

Years you want to cover

Mortgage / debts

Future costs (education, etc.)

Existing savings / coverage

Recommended coverage

$1,300,000

A common rule of thumb is $700,000–$1,050,000 (10–15× income). Your number (+debts, +future, −savings) is a guide, not personalized advice.

See what that costs with real rates

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