INTERACTIVE TOOLS
Life Insurance Calculators
Use our suite of interactive tools to determine your coverage needs, compare policy types, and understand the power of living benefits.
What is your primary financial goal right now?
How Much Life Insurance Does Your Family Need?
Answer a few simple questions to get an estimated coverage amount. This is not a quote, but it can help you understand how much protection your family may need.
Coverage Calculator
Enter your financial details below to calculate your estimated need.
This calculator provides a general estimate for educational purposes only. It is not a life insurance quote, financial plan, or guarantee of coverage. Actual coverage needs, rates, eligibility, and underwriting decisions vary by carrier, state, health, age, and individual situation. Speak with a licensed professional before making a final decision.
Coverage Gap Visualizer
See if your family has enough protection to cover future needs.
What Your Family Needs
What You Already Have
Coverage Gap Detected
Your family may be short by $675,000 if something happens to you today.
Living Benefits Calculator
See how much of your death benefit you could access early in the event of a qualifying illness.
Estimated Early Payout
*Payout amounts are estimates. Actual accelerated benefit depends on the severity of the illness, policy terms, and carrier guidelines at the time of claim.
Cost of Care Visualizer
Estimate the potential financial impact of chronic illness and long-term care needs.
Estimated Total Cost
A chronic illness rider on your life insurance policy could advance a portion of your death benefit to help cover these costs, protecting your retirement savings and assets.
Term vs. IUL Comparison
Compare the key differences between Term Life and Indexed Universal Life (IUL) insurance.
| Feature | Term Life | IUL (Indexed Universal Life) |
|---|---|---|
| Duration | 10, 20, or 30 Years | Permanent (Lifetime) |
| Cost | Low Initial Premium | Higher Initial Premium |
| Cash Value Growth | ||
| Market Downside Protection | N/A | 0% Floor (No Loss) |
| Tax-Free Retirement Income | ||
| Living Benefits | Available | Available |
| Best For | Income replacement, mortgage protection | Wealth building, retirement, legacy |
Term vs. Whole Life Insurance
Compare the key differences to see which coverage might be right for your family.
| Feature | Term Life | Whole Life |
|---|---|---|
| Coverage Duration | Temporary (10, 20, or 30 years) | Permanent (Entire lifetime) |
| Cost / Premiums | Lower initial cost | Higher initial cost |
| Builds Cash Value? | No | Yes |
| Premium Changes | Fixed during the term, increases if renewed | Fixed for life |
| Best For | Income replacement, mortgage protection, budget-conscious families | Lifelong protection, final expenses, wealth transfer, legacy building |
Whole Life vs. Indexed Universal Life (IUL)
Compare permanent life insurance options to see which strategy aligns with your financial goals.
| Feature | Whole Life | Indexed Universal Life (IUL) |
|---|---|---|
| Premiums | Fixed for life (cannot be changed) | Flexible (can increase, decrease, or skip within limits) |
| Cash Value Growth | Guaranteed fixed rate + dividends | Tied to market index performance |
| Upside Potential | Lower, but steady and predictable | Higher potential, but subject to caps |
| Downside Protection | 100% Guaranteed growth | 0% Floor (cannot lose money due to market drops) |
| Death Benefit | Guaranteed and fixed | Adjustable (can be increased or decreased) |
| Complexity | Simple ("set it and forget it") | Requires annual review and management |
| Best For | Conservative individuals wanting guarantees, simplicity, and lifelong coverage. | Individuals seeking cash accumulation, tax-free retirement income, and flexibility. |