You're probably underinsured. Find your real number in 60 seconds.
Most families have less than half the life insurance they actually need. This free calculator shows your exact coverage gap — no signup, no sales pitch.
⏱️ 60 seconds🔒 No credit card📊 Instant results
40%
of families have NO life insurance at all
$200K
average coverage gap per household
50%
of insured families are still underinsured
What happens if you're not covered?
These aren't hypotheticals. This is what families face every day.
🏠
Your mortgage doesn't disappear
Your spouse inherits the house — and 25 years of payments they can't afford on one income. The average family is forced to sell within 18 months.
🎓
College funds vanish overnight
Without your income, your kids' education fund becomes the emergency fund. Dreams get traded for survival.
💳
Debt doesn't die with you
Car loans, student loans, credit cards — your family inherits the payments without the paycheck that was covering them.
📉
Savings drain in months, not years
The average family burns through their emergency fund in under 6 months when they lose a primary income. Then what?
Find your number in 3 steps
No jargon. No sales pitch. Just math.
1
Answer 6 questions
Income, family, debt, savings. Takes 60 seconds.
2
See your real number
Exactly how much coverage your family needs — and the gap you need to close.
3
Get a real quote
Talk to a licensed agent. Independent advice, zero obligation.
What families are saying
★★★★★
"I thought my employer coverage was enough. This calculator showed me I was $800K short. Got proper term coverage for less than I was paying for my IUL."
— Sarah M., mother of 2, Alpharetta GA
★★★★★
"The breakdown was eye-opening. I had no idea how much my family would actually need. Booked a call and had proper coverage within a week."
— James R., 38, Dallas TX
★★★★★
"My financial advisor had me in a whole life policy paying $400/month. Switched to term for $45/month with MORE coverage. Wish I found this sooner."
— Michael T., 42, Charlotte NC
★★★★★
"Simple, fast, and honest. No one tried to sell me anything. They just showed me the numbers and let me decide. That's how it should be."
— Amanda K., 31, Nashville TN
⚠️ Already paying for an IUL or whole life policy?
You might be overpaying for coverage you don't even have enough of. Here's what most agents won't tell you:
IUL fees eat 2-3% of your returns every year — before you see a dime
"Cash value" takes 10-15 years to break even. If you cancel early, you lose money.
The same coverage in term life costs a fraction of the price
Investing the difference in a simple index fund has historically outperformed every IUL on the market
Our calculator shows you the real math. No opinions — just numbers.
Your family is counting on you to get this right.
It takes 60 seconds to find out if they're protected. Don't put it off another day.
Your age is the biggest factor in how much coverage you need.
🔒 Your information is never sold or shared
💰
What's your annual household income?
This determines how many years your family would need to replace.
$75,000
$25K$500K+
👨👩👧👦
Who depends on your income?
Select everyone who'd be financially affected.
💍
Spouse/Partner
👶
Children
👴
Aging Parents
🙋
Just Me
1
2
3+
🏠
How much total debt do you carry?
Mortgage, car loans, student loans, credit cards — everything.
$150,000
$0$1M+
🏦
What's your current safety net?
Savings, 401k, investments — anything your family could access.
$25,000
$0$500K+
📋
Do you have any life insurance today?
Include employer coverage, personal policies, anything active.
❌
None
🏢
Employer Only
Usually 1-2x salary
📄
Term Policy
⚠️
IUL / Whole Life
We should talk…
$
📊
Your report is ready
Enter your info to see your full coverage gap analysis and personalized breakdown.
Your coverage gap
$1,200,000
↓ Unlock your full report below ↓
🔒 256-bit encrypted🚫 No spam, ever⏱️ 2 min read
👩
👨
👩🦰
👨🦱
847 people used this calculator this week
🛡️
Analyzing your coverage...
⏳
Calculating income replacement needs
⏳
Factoring in debt and education costs
⏳
Assessing your current coverage gap
⏳
Generating your personalized report
🛡️
Your family needs
$1,450,000
in total life insurance coverage
Total Needed
$1,450,000
−
You Have
$250,000
=
Your Gap
$1,200,000
If something happened tomorrow, your family would be $1,200,000 short.
Book Your Free Coverage Review
Pick a day and time. A licensed agent will call you to walk through your options.
⏳ Loading available times…
Available times
Booking your appointment…
No available times right now. We'll reach out to schedule your call.
✅
You're booked!
A licensed agent will call you at that time. Check your email for confirmation details.
⏰ Your rate is based on your current age
Life insurance rates increase every year you wait. Lock in your rate today.
✓ Licensed & independent✓ Zero obligation✓ No hard sell
How we calculated this ▸
About that IUL/whole life policy…
You're paying for expensive coverage that still leaves your family $1.2M short. The fees alone are eating thousands per year in returns you'll never see.
Here's the smarter play: Buy term. Invest the difference.
If you invested the savings for 30 years
$2,549,830
in a simple S&P 500 index fund (avg. 10% annual return). That's your real "cash value."
Coverage Calculator by Asset Protection Professionals · Licensed in all 50 states
This calculator provides estimates for educational purposes only. Coverage needs depend on individual circumstances.
Consult a licensed financial professional before making insurance decisions.
Coverage Calculator
Free Tool