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Life Insurance Calculators

Life Needs Analysis - How much life insurance do you need? The answer isn't really how much life insurance you need... it's how much investment capital your family will need at the time of your death. Their need for capital, on a gross basis, is really a function of two variables: how much will be needed at death to meet immediate obligations; and how much future income is needed to sustain the household. The Survivor Needs Analysis Calculator helps you make a preliminary assessment of your family's financial needs once you have passed away, estimating for you the amount of life insurance you will need to cover the expenses that your family will not be able to pay by themselves.
Human Life Value - Think about the tangible possessions you value in your life. Many of these items represent valuable property- such as a car, a house, or possibly a business, each of which you insure against unexpected loss. Your life also has value. In fact, you are the most valuable piece of property that you own. When you think about life insurance, think about the value of human life and the value of your earning capacity over a lifetime. Your early death results in the substantial loss of future earnings. Life insurance is the one financial product that can offer immediate financial recognition/benefit to your family for the uncollected portion of your future earnings if you died suddenly. The Human Life Value Calculator helps you see how the present value of your future earnings represents a substantial sum of money.
Term Life Insurance - Term insurance, as the name implies, provides protection for a particular term or length of time, and therefore pays a benefit if you die during the term period. Term insurance is the lowest premium life insurance available which allows you to maximize your coverage at a very affordable cost. Using our Term Life Insurance Calculator, determine how often you would like to pay premiums and how much protection you need, and see the cost of a 20-year Term Life plan.
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