Coverage Amount Calculator
Industry experts recommend coverage equaling 8-15 times your annual income. In some cases, you may apply for up to 20 times your annual income.
Annual Income

Minimum-Needs Assessor
Use this quick and easy Needs Assessor to see why you need coverage. Remember to account for expenses such as college tuition for your children and income replacement for your spouse.
Home Mortgage:
Other Debts:
Children ($100,000 minimum each):
Final Expense ($10,000 minimum):
Spouse ($100,000 minimum suggested):
*This assessor does not account for inflation or other unknown or unforseeable expenses.