Install
Tools
Free life insurance calculators and checklists: how much coverage you need, how long a term, life expectancy, annuity payouts, policy loans, estate tax and more. They run in your browser and store nothing.
Buying Life Insurance
Annual life insurance policy review checklist A 16-item yearly checklist covering coverage, beneficiaries, cash value policies and paperwork, to run each year or after a major life change. Final expense and funeral cost calculator Totals funeral, cemetery, medical, debt and legal costs after a death, then subtracts money already set aside to show what is left to fund. How much life insurance do I need? Add up income replacement, debts, college and final costs, subtract what you already have, and see how much coverage is left to buy. Human life value calculator Estimates the present value of the after-tax income you would contribute to your family between now and retirement. Inflation and your death benefit Shows what a level death benefit will be worth in today's dollars after years of inflation, and how much coverage would keep its buying power. Is my life insurance through work enough? Compares your workplace life insurance and personal policies with what your family needs, and shows what would remain if you left your job. Life insurance quote comparison worksheet Enter up to four quotes to see cost per $1,000 of coverage and total cost over the term, with flags for differences that matter besides price. Life insurer comparison tool Filter the 100 largest U.S. life insurers by name, type and AM Best rating, then compare up to three side by side using their profile data. Which type of life insurance fits me? Answer six questions about your goal, timeline, budget, health and age to see which kinds of life insurance are built for your situation.
Annuities
Term Life
Buy term and invest the difference calculator Compare a whole life premium with a term premium plus an investment account, and see the return the account needs to match the policy's cash value. How long a term do I need? Enter when your children become independent, your mortgage ends and you retire. The tool finds the shortest standard term that outlasts them. Odds of outliving your term Shows the average chance, at your age and sex, of dying during a 10- to 40-year term, and of outliving it. Return of premium term calculator Finds the yearly return you earn on the extra premium of a return-of-premium term policy, and compares it with investing that money yourself. Term life ladder builder List your financial obligations and when each ends. The tool stacks term policies so coverage steps down as the obligations disappear.
Regulation and Safety
Estate tax exposure check Estimates 2026 federal estate tax on your assets and life insurance, and shows how much of it comes from policies you own. Imputed income calculator for group life over $50,000 Applies the IRS Table I rates to employer-paid group-term life coverage above $50,000 to estimate the taxable income added to your W-2. State guaranty association coverage lookup Choose your state to see its life and health guaranty association and the limits it records for death benefits, cash values and annuities.
Permanent Life
Keep, surrender or sell your policy? Compares cashing in a policy, selling it in a life settlement, and keeping it, using the return your beneficiaries earn on what you keep putting in. Policy loan calculator Projects how a life insurance policy loan grows, how it cuts the death benefit, and the year it could overtake the policy's cash value.
Health and Underwriting
Beneficiaries and Claims
Life insurance claim checklist A four-part checklist for a beneficiary collecting a death benefit: gather documents, contact the insurer, submit the claim and follow up. Lost life insurance policy finder A step-by-step search for a policy a relative may have left, with your state's unclaimed property link and regulator contact. Per stirpes vs per capita calculator Shows who receives what from a life insurance payout if one of your children dies before you, under a per stirpes and a per capita designation.
Every tool runs in your browser. Nothing you type is sent to this site; a few checklists can save your progress in your own browser when you press Save.