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Most insurance sites give you one number, and only after you hand over your email. This does the whole thing: income, debts, final expenses, and goals. It shows you exactly where the gap is and what to do about it. Free, about two minutes, and nothing you type ever leaves your device.
✓ Free · No email · Nothing saved — it all runs in your browserEnter what you know — round numbers are fine. We add up what your family would need, subtract what you already have, and show the gap plus a prioritized plan.
Illustrative only — not a quote or advice. A common rule of thumb is 10–12× income, but your real number depends on your situation. A licensed agent can confirm it free.
A common starting point is 10–12 times your annual income, but the honest answer is: enough to replace your income for the years your family needs it, clear your debts, cover final expenses, and fund any big goals like college — minus what you already have saved or covered. This tool adds those up for you.
No. It's an illustrative planning estimate that runs in your browser. Nothing you type is saved or sent. A licensed agent can turn it into a real quote for free.
No. Every number stays on your device — we never see it. That's by design.
For most families, affordable term insurance covers the big income-replacement years; some add a smaller permanent policy for final expenses. Our free term-vs-whole tool can help you compare.
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.
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