Term Life Insurance Quotes, Rates and Policies Online – Get a quote in 2 minutes

As a general rule, a quick estimate of life insurance needs can be between 7 and 10 times the annual income.
However, we recommend that you make a more diligent assessment of your needs using our life insurance needs calculator. Our online term duration calculator helps you reflect on your coverage needs. It is set up to ask you the right questions and help you identify existing debts, current living costs and future expenses for which you should provide coverage. It's easy and quick to use our insurance calculator.
Life insurance needs calculator
To get a more accurate quote through our life insurance quote you need to know the exact coverage needs. Without calculating coverage requirements, it can be easy to underestimate or overestimate the amount of money your loved ones will need to be financially secure in your absence. To get an accurate number using our life insurance needs calculator, you will need to consider the following costs:

Existing debts (mortgages and other debts)
If you have big credit card balances, a mortgage on your family home, a car loan or any other debt that would be transferred to your family or affect their life, you need to include it in your calculations and if you want to leave enough money to cover these costs.

Living costs (replacement income to meet your family's ongoing needs)
Life insurance is a great way to cover your family's living costs for several years. This is especially important if you are the primary income provider or a home parent. Term life insurance is the perfect way to replace income, provide for childcare costs and cover any additional daily expenses.

Future expenses (College for your children, weddings, etc.)
One of the many uses of life insurance is to provide for the long term future of your loved ones. Many people use life insurance to make sure their family's dreams are fulfilled financially. For example, if you have children and would like them to go to college, you could leave a lump sum to cover the costs of university education. Other examples include house payments, wedding funds and legacy amounts.

End of life invoices
Many people are surprised to learn how expensive the funeral costs can be. In fact, the average funeral can easily exceed $ 10,000. Providing a lump sum to pay for these costs can save your family from having to find the money to pay these bills.

Our online life insurance calculator will handle these expenses with you and calculate the right amount of coverage you will need to financially protect your family in the event of an unexpected death.
Life insurance quotes for the coverage you need
It only takes a few minutes to use our online life insurance calculator. After calculating your coverage needs, our online quote form will present the best value options for your specific needs. You can find life insurance quotes from the highest life insurers in the country. We are here to help you make a smart insurance choice. Start your life insurance research today using our life insurance quote calculator.