Life Insurance Calculator
Life insurance provides financial protection for your loved ones if you pass away. It pays a lump sum (called a death benefit) to your beneficiaries to help replace your income, pay off debts, and cover final expenses. Calculate how much coverage you need in minutes.
Why Life Insurance Matters
See Your Coverage Breakdown
What You Need Coverage For
Monthly Premium Comparison
Life Insurance Calculator
Your Breakdown
Life Insurance Questions & Definitions
Key Life Insurance Terms
Death Benefit
The amount paid to beneficiaries when the insured person dies.
Underwriting
The process insurers use to evaluate your risk and determine your premium.
Rider
Optional add-ons to your policy for additional coverage (disability, accidental death).
Grace Period
Time after a missed premium payment during which your policy remains active.
Convertible Term
Term policies that can be converted to permanent insurance without a medical exam.
Level Premium
Premiums that stay the same throughout the policy term.
Lapse
When a policy ends due to non-payment of premiums.
Contestability Period
Usually 2 years when insurers can investigate claims for fraud or misrepresentation.
Ready to Protect Your Family?
Get personalized life insurance recommendations from Warren AI.