How much life insurance do you actually need? Enter a few numbers and get a personalized estimate in seconds — free, no email, nothing stored.
This calculator is a free educational tool, not a quote, financial advice, or a recommendation. Actual coverage needs vary by household; premiums depend on age, health, coverage, and carrier and are set only after application and approval. For a personalized quote, talk to a licensed agent.
A common rule is 10 to 15 times your annual income, plus outstanding debts and final expenses, minus any coverage you already have. This calculator adds those up for a personalized estimate.
Yes — completely free, no email required, and it runs entirely in your browser. Nothing is stored or submitted.
No. It’s an educational estimate of how much coverage you may need, not a price quote or advice. A licensed agent can give you an actual quote for free.
You just saw the number. A licensed United Trust Life agent can turn it into a real, affordable plan — usually with a follow-up within one business day. No pressure, ever.
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