How much insurance do I need?
Insurance exists for one reason: to protect against losses you couldn't absorb yourself. These calculators size the coverage that actually matters — and keep you from overbuying.
Size your life insurance
Estimates the coverage your family would need if your income disappeared.
Life Insurance Needs Calculator →What to do with it: If nobody depends on your income, you may need far less than agents suggest.
Protect your paycheck itself
Shows how much disability coverage protects the income your whole plan depends on.
Disability Insurance Needs Calculator →What to do with it: You're more likely to become disabled than to die young — this one matters.
Know your self-insurance layer
Sizes the cash cushion that covers small emergencies without a claim.
Emergency Fund Calculator →What to do with it: A solid emergency fund lets you take higher deductibles and pay less in premiums.
Putting it together
Buy enough term life and disability to protect dependents and income, keep an emergency fund for the small stuff, and skip the expensive policies that protect against things you could absorb. Insurance is a safety net, not an investment.