Basic single-life coverage
A fast estimate for income replacement, obligations, and reserves.
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.
Your inputs
Scenario comparison
Your range estimates
Essential
—
Leaner buffer — avoid immediate collapse
Balanced
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Household continuity
Comprehensive
—
Full inputs & reserves
Simple bands (on base recommendation)
Minimum (~70%)—
Moderate (100%)—
Strong (~137.5%)—
Category breakdown
| Category | Amount |
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Suggested structure
Ideas to discuss
Assumptions
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