Free planning tool
Estimate the life insurance gap—not a generic multiple.
Add the obligations and income support you want to protect, then subtract coverage and liquid resources already available. No contact information is required.
Educational estimate · Not financial, tax, or legal advice
What this calculator includes
Income support, mortgage, other debts, education or care goals, and final expenses are added. Existing life insurance and liquid assets intended for the same need are subtracted.
What it cannot decide for you
This simplified tool does not model inflation, taxes, investment returns, survivor earnings, Social Security, special-needs planning, estate structures, or carrier financial-underwriting limits. Avoid double-counting an expense already included in the income estimate.