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Let's talk about life insurance for you and your family.

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About three-quarters of Americans overestimate the cost of life insurance.* It's more affordable than you probably think!

Why do you need life insurance?

Life insurance does more than give you peace of mind. It’s an important leg of your unique financial journey. If something should happen to you, life insurance can help your family to:

Replace your income
Handle final expenses
Pay off outstanding debt
Contribute to future education costs

Life Insurance Calculator

Estimate your coverage

Your Result

You're in good shape!

Based on your answers, it sounds like you've already taken important steps to make sure you're covered.

As your life changes, your insurance needs might change, too. Schedule a complimentary review below to make sure you're properly protected.

This information is for illustrative purposes only and is not intended to be a recommendation for any specific product or amount of coverage. It does not take into consideration all factors that may affect your specific need, including social security benefits and the time value of money.

Here's how much life insurance you may need:

Based on your answers, you're well on your way to making sure you're covered.

As your life changes, your insurance needs might change, too. Request a complimentary review below to make sure you're properly protected.

Here's how much life insurance you may need:

Based on your answers, it sounds like you may benefit from a complimentary review to make sure you're properly protected

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How we incorporated education costs into our calculation: Calculations are based on national cost estimates for attending a 4-year public in-state university. As of 2019, LendEDU estimates a 4-year public in-state university costing roughly $100,000.

How we incorporated funeral costs into our calculation: Using national median funeral cost averages as a guide, we applied a $7,500 funeral cost to this calculation.

How much coverage do I need?

The amount of life insurance you need depends on several things, like the number of children you have, your mortgage, income and more.

Compare your life insurance options

Term life insurance generally costs less per month and only covers you for a set time period. Permanent life insurance provides lifetime coverage, with more available features, at a higher cost. An easy way to think about the difference is to compare them to the idea of renting or owning a home. Term life insurance would be "renting" and permanent life insurance would be "owning."

Not sure which option is right for you?

Features	Term Life	Whole Life	Indexed Universal Life
Coverage length	Choose from 10, 15, 20, or 30 years, with options to extend coverage	Permanent, lifetime protection⁴	Potential permanent, lifetime protection
Cash value	No cash value	Cash value and death benefits guaranteed⁴	Potential to build higher cash values with a guaranteed death benefit ⁴
Premiums	Low, can increase after the initial term period	Higher than term with different payment options, won’t increase over time	Moderate, with some flexibility in payment options

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