How much life insurance do you need?
Answer six quick questions and get an instant estimate of the coverage that may fit your family — then have your personalized number and our free checklist emailed to you.
Estimated coverage you may need
$1,080,000
A starting estimate using income replacement + debts + future costs − what you already have. Your real number depends on your situation.
Email me my result + the free checklist
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How the estimate works
A common way to size life insurance is to add up what your family would need money for and subtract what they already have. This calculator uses that approach: it replaces several years of your income, adds your mortgage, other debts, an education estimate per child, and typical final expenses, then subtracts your existing savings and coverage.
The result is a starting point, not a precise quote. Everyone’s situation is different, and the right amount and type of policy depend on your goals, budget, and timeline. A licensed agent can compare real options across carriers for your exact numbers.
This calculator is for general educational purposes only and is not insurance, financial, legal, or tax advice. Coverage, features, and availability vary by carrier and state. PolicyClover is a marketing brand operated by Adsystems.io LLC and is not an insurer. Speak with a licensed agent about your specific situation.