Life InsuranceNeeds Calculator.
Instantly calculate how much life insurance coverage your client needs. Enter their income, debts, and obligations to generate a personalized recommendation you can share right now.
Annual spouse income is multiplied by income replacement years as an offset to total needs.
Estimates only — not financial advice. Actual coverage needs vary by individual circumstances.
Enter Client Details
Input your client's income, outstanding debts, family obligations, and any coverage they already have. Every field has a sensible default to get you started.
See Instant Results
The results panel updates live as you type. Total needs, coverage gap, and a recommended face amount are calculated automatically — no submit button required.
Share With Your Client
Copy the full summary to your clipboard or print a clean report. Paste it directly into an email, a client portal note, or your CRM activity log.