A guided life-insurance needs and life-insurance capacity calculator for North American families. We only ask the questions that matter so you can learn and understand how to properly protect your family and your legacy.
No sign-up required · No spreadsheets
Enter your name and your basic numbers, quick, easy and no fuss. After you see results, you can dive into Customize My Plan to fine-tune debts, education, income replacement, and assets.
Age, province/state, income, household. Less than 60 seconds.
Mortgage? Kids? Income replacement? We only show fields you turn on.
Need, gap, and capacity. Plus a clean report you can share with an advisor.
Do you know what kind of coverage you actually own?
Term, whole life, group, creditor and universal life all behave differently. Learn who owns it, who receives the benefit, and what can change it.
Business and Combined answers stay on your device.
Have questions about life insurance needs or how the tool works? We've got you covered.