Three calculators, with the arithmetic in view.

Each tool runs in your browser and sends nothing anywhere. Results are illustrations built from your inputs and the assumptions listed beside them.

Life Coverage Estimator

Estimate the gap between what a household might need and what it already has. Actual coverage needs depend on individual circumstances and policy terms.

For example education or final expenses.

Result appears here

Review the inputs and select the button to see the breakdown.

Term vs Whole Evaluator

A factual comparison, not a recommendation. It does not declare either option better and is not personalized insurance advice.

Comparison appears here

Enter your details and select the button.

Deductible Planner

See how a deductible affects what you would pay on a claim. Actual policy terms, exclusions, limits and claim handling vary by insurer and policy.

Optional. Leave at 0 if your policy has none.

Optional. Leave at 0 if not applicable.

Result appears here

Enter the figures from your policy or a policy you are reviewing.

Illustrative only. These tools do not connect to insurers, produce quotes, or check eligibility. Premiums, coverage, exclusions, deductibles, limits and policy terms vary by insurer, state and policy. Read your actual policy documents and consult a licensed professional.