Most people either guess at a round number or skip the math altogether — and both leave families exposed. Answer a few quick questions below and we'll email you a personalized coverage estimate using three professional underwriting methods, the same ones our team uses.
Roughly 4 in 10 U.S. households say they'd feel a financial hit within six months if a primary wage earner died — yet most people have never actually calculated what their family would need. A guessed number is usually wrong, and it's almost always too low.
This calculator runs your numbers through the Needs Approach, Human Life Value Approach, and Capitalized Earnings Approach side by side — the same methods a professional underwriter would use — so you get a real, defensible estimate instead of a guess, delivered straight to your inbox.
Your estimate only reflects what you enter above. A private strategy consultation with our team factors in your full financial picture, existing coverage, and goals — so you leave with a real plan, not just a number.
Book Your Private Strategy ConsultationNo cost, no obligation — just a clear picture of where you stand.