Coverage Estimator

How Much Coverage Does
Your Family Actually Need?

Answer a few questions to get a directionally accurate estimate — then let us build the right strategy around it.

Step 1 of 5 Basic Information
Step 1 of 5
Tell us about yourself
Your age and health profile help determine realistic term lengths and the right policy types for your situation.
Step 2 of 5
Dependents & education
Who depends on you financially? This shapes the protection floor and any education funding need.
Step 3 of 5
Mortgage & debts
Protecting the home is the #1 reason most families buy life insurance. Start by telling us whether you have a mortgage.

How much protection do you need? Most clients choose full payoff to eliminate the debt entirely, 80% payoff to leave some liquidity, or a critical period to keep the family stable while they regroup.

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Income replacement is often the largest component of coverage. Enter your annual income and how many years your family would need it replaced if you were gone.

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Step 4 of 5
Existing assets & coverage
Existing coverage and liquid assets reduce how much new coverage you actually need. Enter 0 if not applicable.
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Step 5 of 5
What matters most to you?
Select all that apply — this drives your policy type recommendation.
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Protect the home — ensure my family keeps the house Housing stability is the top priority regardless of what happens
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Retirement accumulation & living benefits Tax-advantaged cash value growth accessible while still alive (IUL)
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Leave a legacy — transfer wealth to heirs or estate A death benefit that extends beyond protection into generational impact
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Burial & final expense coverage Ensure my family isn't burdened with end-of-life costs
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Maximize coverage at the lowest possible premium Pure protection — keep the cost lean, keep the coverage strong
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Protect my business or cover a key-person need Buy-sell agreements, business continuity, SBA loan coverage
Your Personalized Estimate
Here's your directional coverage range — built around what matters most.
Recommended Coverage
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Range: —
LOW IDEAL HIGH
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Policy Options That Can Serve Your Needs

⚡ This estimate is directional, not a formal underwriting quote. Actual recommendations depend on your full financial picture, insurability, and carrier guidelines. Thomas Prouse Agency will work with you to find the exact fit from 40+ top-rated carriers.

Ready to turn this estimate into a real strategy? Book a free 30-minute call — no pressure, no obligation.

📅 Book a Strategy Call 📞 (520) 336-1910
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Running Estimate
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Range: —
Updates as you answer
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