Estimate the protection your family may need

Choose a calculator: quick single-life or joint estimates, a deeper needs analysis, or a business-owner view that separates personal and business exposure.

Educational estimate only

This tool provides general planning estimates. It is not underwriting, a quote, or legal/tax advice. Actual coverage needs and premiums depend on health, carrier rules, and your full financial picture. Consult a licensed professional before buying or changing insurance.

Basic single-life

Fast quote-style estimate: income replacement, debts, mortgage, kids’ reserves, and offsets.

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Joint / family

Separate needs per spouse, first-death approximation, optional survivorship placeholder.

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Advanced needs analysis

Step-by-step wizard: income (simple or PV), liabilities, family, housing, business, riders, assets.

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Business owner

Stack personal/family need with debt, revenue disruption, transition, and succession funding.

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More tools

Stay-at-home / role value

Replace childcare, household, and logistics at market rates.

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Estate / survivorship liquidity

Second-death and trust funding stub—pair with the estate tax calculator.

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Term vs permanent

Educational comparison—not a premium quote.

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Basic vs advanced

Basic — one screen, 8–12 inputs, range outputs in under two minutes.
Advanced — multi-step, optional present-value income replacement and full category breakdown.

Advisor mode: append ?advisor=YOUR_KEY when PUBLIC_PROTECTION_ADVISOR_KEY is set in your environment to reveal internal notes on supported tools.