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Life Insurance Needs Calculators

Calculate a life insurance coverage estimate from your family’s income, debts, and goals.

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Life Insurance Needs Calculators

$5.99 / month

Access to Life Insurance Needs Calculators only.

Renews monthly until canceled.

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  • Payments are generally non-refundable after access is activated, including for disliked, inaccurate, or unsuitable responses. Cancellation stops future renewals; it does not request a refund. Your legal rights still apply.
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Billing & Cancellation · Privacy Policy · Terms of Use

If someone depends on your income, enter your household figures to estimate how much life insurance could cover. Compare income replacement periods, add debts and education costs, and account for existing savings or coverage. You leave with an itemized coverage estimate and side-by-side scenarios to discuss with an insurance adviser.

What it writes

  • Itemized life insurance coverage estimate
  • Income replacement and debt breakdown
  • Side-by-side coverage scenario comparison

How to use it

Include annual income, debts, savings, existing life coverage, and how many years of income you want replaced. Add children’s ages and any education costs so the estimate can show each major need.

This workspace provides text assistance.

What you bring

  • Annual income and years to replace
  • Debts, savings, and existing coverage
  • Education or other dependent-related costs
  • Approximate household figures

A good fit for

  • Estimating coverage while a partner or children depend on your income
  • Comparing 10-year and 20-year income replacement for your household
  • Preparing household numbers before meeting an insurance adviser

Ways to start

A few requests this Agent can handle.

Our household income is $95,000 a year, we owe $240,000 on the mortgage, and our two children are ages 4 and 7. Estimate coverage with 15 years of income replacement.

I earn $72,000, have $18,000 in other debts, and my spouse has $40,000 in group life coverage. Compare estimates with 10 and 20 years of income replacement.

We spend about $5,200 a month, have $65,000 in savings, and want to set aside $80,000 for each child’s education. Show the assumptions and estimate coverage.

What this Agent does not do

It does not carry out actions in other applications.

  • Selecting or buying a specific insurance policy
  • A guaranteed coverage recommendation for your family
  • Calculations use the figures and assumptions you enter
  • Cannot assess policy terms or verify your finances

Choose where you want to work

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What happens after payment?

Checkout creates or uses your Ai-GEN account. Once your payment is confirmed, you can start using your Agent. Open it from your order confirmation or account. Choose a starter task, add your inputs, and send your first request.

Can I cancel?

Yes. Manage cancellation under Account & Billing → Subscriptions. Review the status and cancellation details shown there before confirming.

What if the response is not right for me?

Payments are generally non-refundable after access is activated, including for disliked, inaccurate, or unsuitable responses. Cancellation stops future renewals; it does not request a refund. Your legal rights still apply. Read the billing and cancellation policy

Can I use the response in my work?

Use it as a draft to review and adapt. Verify calculations, facts, rights, and suitability before relying on it. Do not provide information you do not have permission to share.

Can I paste work or client information?

Your request and relevant context are sent to the enabled AI service to generate a response. Use placeholders and share only the minimum information you have permission to send. Avoid confidential, regulated, highly sensitive, or unnecessary personal information; removing names alone does not make restricted material suitable. Review the Privacy Policy before sharing work

What if I have paid but cannot open the Agent?

Sign in with the account used for the purchase and review your existing order in Account & Billing. Contact support with your account email, order number, Agent name, and a short description of the issue before buying again. Do not send passwords, payment-card details, or confidential prompts. Contact support

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