How much life insurance do you actually need?

A real needs analysis in 2 minutes. No email required to see your number.

About you

Age

Sex

Health

Your income

Your annual income

Spouse income (optional)

Family

Number of dependents

Age of youngest

College goal per child

Debts

Mortgage balance

Other debt (CC, auto, student)

Existing coverage and savings

Employer coverage (× salary)

Individual life insurance

Liquid savings

Recommended coverage

$675k – $863k

Target: $750,000 · 30-year term

Estimated monthly premium

$60 – $108/mo

Range based on industry averages. Real quote depends on health and carrier.

Save your personalized plan

Raphael Hertz, NPN 22170072. Licensed insurance producer in all 50 states and DC. Estimates shown are not binding quotes — actual rates depend on health, carrier, and underwriting. Coverage and product availability vary by state and carrier.