Term Life tools

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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.

Buying Life Insurance

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.

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.