Life Insurance Calculator
See how much waiting costs, what happens when only one partner is covered, and exactly how much coverage your family needs.
Also try: DIME Method Calculator →
The Cost of Waiting
Every year you delay, life insurance gets more expensive — and harder to qualify for.
Your Information
Gender
Coverage Amount
Your Est. Monthly Premium Today
$70.00/mo
20-year term · $500k coverage
Premium Over Time
⏰ Waiting 10 years could cost you an extra $65.00/month — and that's if you still qualify.
Poor health or a new diagnosis can make you uninsurable. Lock in your rate while you're healthy.
Curious about your exact rate? Ashley can run real quotes for you — free.
Get My Real Rate →What Happens If Only One of You Has Coverage?
If the unthinkable happens to the uninsured partner, your family absorbs 100% of the loss.
Your Family's Numbers
Enter $0 if not employed
The Two Scenarios
✅ Scenario A: Both Covered
- → If Partner 1 passes: family receives $1,405,000
- → If Partner 2 passes: family receives $1,105,000
- → Financial continuity: YES ✅
❌ Scenario B: Gap Risk
- → If Partner 1 passes: family receives $1,405,000 ✅
- → If Partner 2 passes: family receives $0 — but loses $55,000/yr income ❌
- → Monthly income gap: $4,583/month
- → 10-year income loss: $550,000
- → Mortgage exposure: $280,000
To fully protect your family, Partner 2 needs approximately $1,105,000 in coverage.
Formula: ($55,000 income × 15 years) + $280,000 mortgage
⚠️ Without coverage on both partners, your family's financial plan has a hole in it. One event changes everything.
One call to cover both partners — Ashley makes it simple and affordable.
Book a Free Consultation →How Much Life Insurance Do You Actually Need?
A simple estimator — your real number in under 60 seconds.
Your Numbers
Auto-calculated from your age in Section 1 (65 − 30 = 35 yrs)
Include mortgage, student loans, car loans
Funeral, medical bills — $15,000 is a common estimate
Number of Children Under 18
Your Estimated Need
Your Estimated Coverage Need
$2,940,000
Breakdown
This is a starting point. Your actual need depends on your lifestyle, existing assets, and goals. A strategy call takes 20 minutes and gives you a precise number.
Take the Next Step
Ready to protect your family?
Get a real life insurance quote in under 10 minutes — no medical exam required for most applicants.
Get My Free Quote →Powered by Ethos · Fast, simple, no-pressure quoting
Free — Always
Get Your Free Protection Strategy Call
Ashley will walk you through exactly how much coverage you need, which type fits your situation, and how to protect both partners — at a rate that won't break the budget. No fees. No pressure. Just a clear plan.
Book My Free Strategy CallFree consultation · No management fees · Licensed and affiliated with The Broker Group