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🛡️ Insurance Tool

Life Insurance
Needs

Calculate the exact coverage gap based on income replacement, debts, college costs and existing coverage.

Your Family Situation
Your Annual Income $80,000
$
$20K$500K
Years Your Family Needs Income Support
years
Spouse / Partner Annual Income
$
Number of Children
children
Age of Youngest Child
years old
Debts & Obligations
Mortgage Balance
$
Other Debts (car, student, credit)
$
Annual Childcare / Education Costs
$
College Savings Target (per child)
$
Final Expenses (funeral, estate)
$
Existing Assets & Coverage
Current Life Insurance Coverage
$
Savings & Investments
$
Spouse Would Continue Working
Coverage Analysis
Coverage Gap
$0
Additional coverage needed
$0
Total Need
$0
Existing Coverage
$0/mo
Est. Premium (term)
0%
Coverage Ratio
Need Breakdown
Income Replacement
$0
Mortgage & Debts
$0
Childcare & College
$0
Final Expenses
$0
Existing Coverage + Assets
$0
🛡️

Coverage Assessment

Calculating...

💡
Term vs Whole Life: For most families, a 20-30 year term policy provides maximum coverage at minimum cost. A healthy 35-year-old can get $500,000 in 20-year term coverage for $25-$40/month. Whole life costs 10x more for the same coverage and is rarely the right choice for income protection.

Protect Your Family Today

TechsGenius insurance advisors compare term life policies from top carriers to find the best coverage at the lowest premium.

💬 Compare Life Insurance Quotes →