Insurance Planning Tool

Life Insurance Needs Calculator

This planning tool estimates a starting coverage range by combining short-term obligations, longer-term income needs, and assets already available.

Start Calculating Review Results With Us

Inputs

Household Assumptions

Enter rough planning numbers. This tool is designed for quick estimate conversations, not a final underwriting recommendation.

Profile A

You

Immediate Financial Obligations

Mortgage balance Education funding goal Final expenses Other debts

Income Replacement

Monthly income needed Years of support Investment return (%) Inflation (%)

Current Assets

Registered investment savings Other liquid assets

Profile B

Partner

Immediate Financial Obligations

Mortgage balance Education funding goal Final expenses Other debts

Income Replacement

Monthly income needed Years of support Investment return (%) Inflation (%)

Current Assets

Registered investment savings Other liquid assets

Next Step

Turn the estimate into a real plan

Once you have a starting number, our team can help pressure-test the assumptions, compare term and permanent coverage, and fit the recommendation into your broader financial plan.

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