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Life Insurance Calculator

Find out exactly how much coverage your family needs. Adjust a few sliders and get an instant, personalized estimate — no email or sign-up required.

Your Coverage Estimate

Move the sliders to match your situation. Your recommended coverage updates in real time.

Your Age35

Annual Income$75,000

Years To Replace20

Mortgage Balance$250,000

Other Debts$15,000

Children To Support2

Per-Child Education$100,000

Existing Coverage$0

Final Expenses$15,000

Recommended Coverage

$1,980,000

Based on your inputs. This is a starting estimate — a licensed Frontline advisor will refine it based on your goals and budget.

Income Replacement(20 yrs × $75,000)

$1,500,000

Mortgage Payoff

$250,000

Other Debts

$15,000

Education Fund(2 × $100,000)

$200,000

Final Expenses

$15,000

Existing Coverage

-$0

Suggested Coverage$1,980,000

For educational purposes only. Not a substitute for advice from a licensed insurance professional.

Most experts recommend 10–12× your annual income so your family can maintain their lifestyle.

Coverage should fully pay off your mortgage and any consumer debts so loved ones aren't burdened.

Include education costs for children and final expenses so nothing important is left unfunded.