Home / Free Tools / Do I Need Life Insurance?
A straight answer in about a minute, not a sales pitch. If you probably don't need much, we'll say so. No email, nothing saved.
✓ Free · No email · Nothing saved — it all runs in your browserThis is general education, not advice or a quote — a licensed agent can confirm what (if anything) you need, free.
Anyone whose death would create a financial hardship for someone else — a spouse or partner who shares expenses, children or dependents, a mortgage or debts, or family who'd owe your final expenses. If no one relies on you financially, you may only need a small final-expense policy.
Often less than people expect. A healthy working adult can frequently get meaningful term coverage for the price of a couple of streaming subscriptions a month. Rates vary by age, health, and coverage — a licensed agent can quote it free.
No. It runs entirely in your browser and stores nothing.
You just built the numbers. A licensed United Trust Life agent can turn them into a real, affordable plan — usually with a follow-up within one business day. No pressure, ever.
A licensed agent will reach out shortly. Meet Justin →