Free tools
Tools to help you plan
These tools give general, educational estimates to help you think through coverage. They are not quotes, recommendations, or offers of insurance.
Life Insurance Needs Calculator
Estimate a general coverage range from your income, debts, and goals.
Open tool →Term vs. Whole Comparison
Answer a few questions to see which direction may fit — and what to ask an advisor.
Open tool →Final Expense Planner
Add up funeral and final costs to plan a realistic amount.
Open tool →Beneficiary Checklist
Make sure your beneficiaries are named, current, and complete.
Open tool →Coverage Readiness Checklist
See how ready you are to choose coverage, step by step.
Open tool →Start with a conversation, not a sales pitch.
Tell us what you want to protect, and we will help you understand the coverage options that may fit.