United Trust Life — Independent agent for Globe Life & American Income Life · 100% virtual, no pressure
Free Tool

Life Insurance Calculator

How much life insurance do you actually need? Enter a few numbers and get a personalized estimate in seconds — free, no email, nothing stored.

$
Your take-home earning power
How long your family would need income (10–15 typical)
$
Mortgage, loans, credit cards
Adds an education/support cushion each
$
Funeral & end-of-life costs
$
Employer/association/other policies
Estimated coverage you may need
$0
An estimate based on income replacement, debts, children, and final expenses — minus what you already have.
Get a real quote →

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.

Next steps

Turn your number into a plan.

Term LifeWhole LifeWho We ServeCoverage by job
Questions, answered

Calculator — FAQ

How much life insurance do I need?+

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.

Is this calculator really free?+

Yes — completely free, no email required, and it runs entirely in your browser. Nothing is stored or submitted.

Is the result a quote?+

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.