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What are your monthly housing expenses?

Many people want to make sure their loved ones can stay in the comfort of their home. Let’s calculate what that would take.

Do you rent or own your home?

I own my home I rent my home

Other expenses

Let’s consider your other expenses and debts beyond your mortgage to be covered to reduce the burden on your family after you’re gone. This could include credit cards, car payments, utilities, health care and more.

Here's a tip! When you consider credit cards, car payments, health care, utilities and more, the average American carries at least $100,000 worth of debt. Life insurance can help you cover those debts to give your family peace of mind.¹

How much would you need to be completely debt-free?

Future education costs

Did you know life insurance could help cover things like upcoming college tuition or other education costs for your loved ones? Well, it can!

Would you like to pay for the education your kids or grandkids?

Yes No

Family income

Often, your most important financial asset is the ability to earn income. However, when calculating your family’s total, be sure to include not only how much is earned from a paid job(s), but also the value of work done by a stay-at-home parent. The family would have to pay someone to take over those services so a spouse can stay at work.

Here's a tip! Life insurance should make up for the loss of your income or services if you’re not around for your family. To make sure you have enough to cover, experts recommend you will need to estimate 6-10 times your annual income.¹

Who depends on you financially?

Just me Me and Spouse Children

How many years of income do you want to replace? 0 10

What is your current age?

What age do you plan to retire?

Your earnings during this time are valuable to your
family. Life Insurance can help protect your ability to provide income.

Do you currently have any life insurance policies?

Yes No

Here's a tip! If you have some life insurance already, maybe through your job, that may not be enough to cover your needs. Let’s take that into account and subtract the existing amount from your goals stated above. This will show the gap in coverage you will want to fill.

Estimated final expenses

The last thing to consider when calculating your coverage amount is how much you’d need to cover final expenses.

Here's a tip! Funeral costs can vary quite a bit based on your location, but most experts say that $10,000-$20,000 is a good place to start.¹

How much money will you need for your funeral services?

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Get an idea of how much insurance you might need.

What are your monthly housing expenses?

Other expenses

Future education costs

Family income

Estimated final expenses

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