Insurance Needs Calculator

Your Insurance Needs Analysis

Determine estimated coverage for Life, Critical Illness, and Disability.

Your Age:

Enter your age to get suggested average values.

Life Insurance Needs

Estimate the coverage needed to protect your loved ones and financial obligations.

Current Annual Income ($):

Years of Income Replacement (e.g., until youngest child is independent):

Current Mortgage Balance ($):

Other Debts (e.g., car loans, credit cards) ($):

Future Education Costs for Dependents ($):

Final Expenses & Emergency Fund (e.g., funeral, 6 months living expenses) ($):

Existing Savings & Investments (that can be used) ($):

Existing Life Insurance Coverage ($):

Critical Illness Insurance Needs

Determine a lump sum amount to cover expenses and lost income during a critical illness.

Current Annual Income ($):

Estimated Recovery Period (Months):

Estimated Out-of-Pocket Medical/Recovery Costs ($):

Existing Critical Illness Coverage ($):

Disability Insurance Needs

Calculate the monthly benefit needed to replace income if you become unable to work.

Current Annual Income ($):

Desired Income Replacement Percentage (%):

Estimated Monthly Living Expenses ($):

Existing Disability Coverage (Monthly Benefit) ($):

Please select at least one insurance type and fill all visible fields to see your summary.

Based on your inputs, here are your estimated insurance coverage amounts:

$0.00

$0.00

$0.00 / month

For a personalized, no-cost, no-pressure consultation and a precise quote tailored to your situation, please reach out to Sean Mulder.