Free life insurance tools
Get your number before you talk to anyone. No sign up.
Which tool should I use?
Start with the coverage calculator if you have no idea how much you need. It adds up your pay, mortgage, debts, kids and final costs.
Use rates by age to see a published sample price for your age before you talk to anyone. Use the funeral calculator if you are planning for final expenses.
The term length and mortgage protection calculators help you pick the right number of years and the right amount for your home.
Common questions
Do these tools save my information?
No. The calculators run in your browser. Nothing is sent unless you choose to get a quote.
Are the prices real quotes?
No. Sample prices come from published rate tables. Your real price comes from an insurer after it reviews your application.
See your price in 2 minutes
Two minutes, a few questions, and a licensed agent shows you what it really costs. No exam needed for many plans.
About 3 in 4 people guess life insurance costs more than it does. LIMRA 2026