Coverage needs explorer

How obligations turninto a coverage amount.

Move the sliders to see how years of income, debts, future responsibilities, and existing coverage add up. The arithmetic is deliberately simple and the assumptions are listed beside the result. It is a starting point for a conversation, not a recommendation.

Illustrative coverage consideration

$1,425,000 to $1,725,000

A rounded range around $1,575,000, from the simple arithmetic below.

Income replacement (15 yrs): $1,275,000
Debts to settle: $250,000
Future responsibilities: $150,000
Less existing coverage and savings: ($100,000)

Assumptions behind this number

Income replacement is a simple multiple: annual household income times the number of years you select, with no adjustment for inflation, taxes, investment growth, or changes in spending.
Debts are counted at their full balance, as if they would be paid off at once.
Future responsibilities are whatever amount you enter, in today's dollars.
Existing life insurance is subtracted in full. Savings, retirement accounts, and other assets are not counted unless you include them in that field.
The result is rounded and shown as a range to reflect how approximate this method is.

This explorer is an educational illustration of how obligations relate to coverage. It is not personalized advice, a recommendation, an insurer quote, or an eligibility determination. Nothing you enter is stored or transmitted.

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Next step

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