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Go to the CalculatorYour Life Insurance Budget Results
| Monthly take-home income | $0 |
| Monthly everyday expenses | $0 |
| Available monthly balance | $0 |
Your expenses are higher than your income right now. A licensed professional can still help you look at low-cost options.
This is what is left in your monthly budget that could go toward insurance or savings.
Your estimated coverage gap
| Minimum 3 years of income | Recommended 5 years of income | |
| Income to replace | $0 | $0 |
| Total debts | $0 | $0 |
| Current life insurance counted | $0 | $0 |
| Existing assets | $0 | $0 |
| Estimated coverage gap |
Your current coverage and assets appear to meet this estimate. A Licensed Safe Money Professional can confirm that and review your options with you.
Speak to a Licensed Safe Money ProfessionalMost families need 3 to 5 years of income to maintain their lifestyle and pay off what is owed.
A Fixed Index Annuity can offer both income for life and benefits to a beneficiary.
What would you like to explore?
Reminder: your available balance stays at the top of this page while you choose. Exploring an option costs nothing and does not commit you to anything.
Let’s Recap Your Selections
Products you said yes to are highlighted below.
Term Life
Coverage for a set number of years, such as 10, 20 or 30. It pays a death benefit if you pass away during the term and usually has the lowest premium for the amount of coverage.
Often used for: replacing income while children are at home or a mortgage is being paid.
Whole Life
Permanent coverage that lasts your entire life as long as premiums are paid. Premiums are level and the policy builds guaranteed cash value over time.
Often used for: final expenses, leaving an inheritance, lifelong protection.
Indexed Universal Life (IUL)
Permanent coverage with flexible premiums. Cash value earns interest linked to a market index, with a floor that limits losses and a cap that limits gains.
Often used for: lifelong protection with cash value growth potential.
Annuities
A contract with an insurance company that turns savings into income, either right away or later. Annuities are a retirement product, not life insurance.
Often used for: income you cannot outlive and protecting savings from market loss.
Great Job!
This is an important step to understanding your options. The fact still stands, you can not buy Life Insurance or an Annuity after you pass away. Leaving your family with a burden is something very painful to encounter.
We understand you still might have many questions.
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These results are general estimates for educational purposes only. They are not financial, tax, or legal advice and are not an offer of insurance. Coverage, premiums and eligibility depend on underwriting by the insurer.