Insurance Needs Planner

Most people only need life insurance. If that's you, you'll be done in under a minute. If you also want to protect your income, your long-term care, or your retirement income, we'll walk you through those too.

Life insurance · Step 1 of 5: Your income

Annual income ($)

Years of income to replace: 10

Life insurance · Step 2 of 5: What you owe

Mortgage balance ($)

Other debts ($)

Life insurance · Step 3 of 5: What you'd leave behind

Final expenses ($)

Emergency fund ($)

Childcare costs ($)

Kids' college costs ($)

Life insurance · Step 4 of 5: What you already have

Existing coverage + savings ($)

Life insurance · Step 5 of 5: Your rate

Your age (for rate estimates)

Plan your full insurance picture

Most people stop here. Select anything else you'd like to plan for:

Disability Income

If you became sick or injured and couldn't work, how much monthly income would you need to keep your family going?

Long-Term Care

Have you addressed long-term care? How much would you need monthly for in-home care, assisted living, or nursing care?

Guaranteed Retirement Income

Would you like extra guaranteed income in retirement, so you never run out no matter how long you live?

Disability Income · Monthly benefit

Annual income ($)

% of income to replace: 60%

Existing monthly coverage ($, employer + SSDI)

How long would you need it?

Long-Term Care · Your care costs

Type of care you'd want

Years of care to fund: 3

Existing coverage / savings ($, optional)

Inflation: 4%

Guaranteed Retirement Income · Your income goal

Age you'd start retirement income

Monthly income you'd like in retirement ($)

Guaranteed income you already have ($/month, Social Security + pension)

Your full insurance picture

Estimated total protection cost

$0/month

Estimates only, based on your answers. A real quote depends on underwriting.

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How the Planner Works

Life insurance

Covers your family's income, debts, and final expenses. The foundation of any plan.

Disability income

Replaces a portion of your paycheck if you can't work due to illness or injury. Protects your most valuable asset: your income.

Long-term care

Covers in-home care, assisted living, or nursing care so care costs don't drain your retirement.

Guaranteed income

An annuity turns a lump sum into income you can't outlive, so you never run out in retirement.

Your Full Insurance Needs, One Calculator