---
title: Free Life Insurance Calculators and Tools | Coverfolk
url: https://coverfolk.com/tools
updated: 2026-10-08
---

# Free life insurance tools

Get your number before you talk to anyone. No sign up.

[**Coverage calculator**Find a number that fits your pay, house and kids.](/calculator)[**Rates by age**See a published sample price for your age.](/rates)[**Funeral cost calculator**Add up burial or cremation.](/funeral-cost-calculator)[**Term length calculator**How many years of coverage do you need?](/term-length-calculator)[**Mortgage protection calculator**Size coverage to your home loan.](/mortgage-protection-calculator)[**Final expense rates**Burial insurance prices by age.](/rates/final-expense)

## 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.