Term Life Insurance Estimator

See how much coverage your family may need and a realistic monthly price range, in about a minute. No obligation.

Tell us a little about you

Your answers are used only to calculate this estimate on your device.

Your age

Gender

Tobacco / nicotine use (past 12 months)

General health

Annual income ($)

People who depend on your income

Main coverage goal

Term length

How is this estimate calculated?

Coverage amount: about 10 times your annual income (8 times if you are over 50, 6 times if over 60), plus $50,000 for each person who depends on you, rounded to the nearest $50,000.

Monthly price range: based on typical online term life rates for your age, gender, tobacco use, health, coverage amount and term length. The low end assumes you are placed in the better rate class for your health answer; the high end assumes the next class down.

Why a range? The insurance company decides your final rate after you answer its health questions, so we show where you are most likely to land rather than a single number.