Life Insurance Calculator

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. Tell us about your mortgage and what level of protection matters most.

How much mortgage protection do you need? Most clients choose full payoff to eliminate the debt entirely, 80% payoff to leave some liquidity, or a critical period of payments to keep the family stable while they get back on their feet.

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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: —
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.

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