How Much Life Insurance Do You Need?
Answer a few questions and get an estimated coverage range. No personal information required — this is for planning purposes only, not a formal quote.
Annual household income
How much does your household earn per year? A common guideline is 10–12× annual income.
A simple framework for coverage planning.
Most financial planning guidelines suggest a combination of income replacement, debt coverage, and dependent support.
Income Replacement
A common starting point is 10–12× your annual income so your family can maintain their standard of living if you're no longer there to provide.
Debt and Mortgage
Adding outstanding debts and mortgage balance ensures your family isn't left managing major financial obligations on a reduced income.
Dependent Needs
Each dependent adds to your coverage target — childcare, education, and daily living costs for those who depend on your income matter.
See what's available for your situation.
No agent calls. Start the online application path and review available life insurance options.
Check Life Insurance OptionsNo personal information required to start browsing.