Tools

Run the numbers before the renewal notice does.

Three calculators, one for each coverage decision people ask about most. Every result shows its assumptions and limits alongside the number.

Calculator 01

Life coverage estimator

Uses an income-replacement method: how many years of income your household would need replaced, plus outstanding debts, final expenses and future education costs, minus what you already have set aside or covered.

Best for a first pass at "how much life insurance do I need."
Does not model inflation, taxes, or underwriting/health factors.
Educational estimate only — not a quote or recommendation.

Calculator 02

Health out-of-pocket calculator

Models a single-tier deductible and flat coinsurance rate against your out-of-pocket maximum, then adds your premiums to show a fuller annual-cost picture than the premium alone.

Good for comparing a low-premium plan against a low-deductible plan.
Simplifies network tiers, copay-only services, and drug formularies.
Informational only — not a benefits determination.

Calculator 03

Asset protection / property risk assessment

Combines building age, claims history, hazard-zone level and the safeguards you already have into a single relative risk score, plus a rebuild-cost-aligned coverage reference point.

A simplified, illustrative index — not an underwriting model.
Does not replace a professional property inspection.
Coverage reference is a starting point for conversation, not a limit recommendation.

Want a second opinion on what these numbers mean?

Our helpdesk can walk through your results with you — no sales pitch attached.

Talk to the helpdesk