Calculator
How much life insurance do you need?
Adjust the numbers below to get a realistic starting estimate. It's private — the math happens in your browser, and nothing you enter is sent anywhere or saved.
Income your household would need to replace.
How many years your family would need that income.
What's left on your mortgage.
Car loans, credit cards, and other debts.
Estimated future costs for your children.
Funeral and end-of-life costs.
Coverage you already have — we subtract it.
Your estimated coverage
$550,000 – $700,000
A starting-point estimate based on what you entered.
- Income replacement ($60,000 × 10 yrs)
- $600,000
- Mortgage
- $0
- Other debts
- $0
- Education
- $0
- Final expenses
- $15,000
- Existing coverage
- − $0
- Estimated need
- $615,000
This is an educational estimate, not financial advice, an offer, or a quote. The right amount depends on your situation, and final coverage is subject to eligibility, the application, and underwriting. Nothing you enter here is sent anywhere — the calculation happens in your browser.
Seven16 Life provides general information to help you explore life insurance options. This is not financial, legal, or tax advice.
Coverage is subject to eligibility, the application, and underwriting. Not everyone will qualify, and approval is never guaranteed.
Products and availability may vary and may not be offered in all states.
Coverage is provided and underwritten by licensed insurance providers. Seven16 Life may refer or connect you with licensed providers or partners where appropriate.