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Life insurance needs calculator

How much life insurance do I need?

While your financial needs, goals and dreams may change, protecting your loved ones will always be important.

Life insurance can help with medical costs and final expenses, but it can also make a longer, more lasting impact on your family’s future by helping pay off a mortgage, providing college funding or easing the burden of daily living expenses.

Calculate your needs

How much life insurance you need depends on your family’s financial situation and is based on factors that are unique to you and your1 life.

This insurance needs calculator takes your marital status, age and life stage into account to help you estimate how much insurance you may need to help your family meet their financial goals, even if they had to go on without your income.

Get a detailed estimate

Use our detailed life insurance needs calculator that considers your family’s full financial picture.     

Use our detailed calculator

Only have a few minutes?

Try our quick life insurance calculator to get a basic estimate of your family’s needs.     

Use our quick calculator

Why do I need life insurance?  (article with video)

Life insurance isn’t as complicated or expensive as people think. Here are five excellent reasons to buy life insurance now and stop procrastinating.

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How do I purchase life insurance?

Our insurance products can be purchased through a financial professional or may be offered through your employer, financial institution or association.

1. If owner/insured are different, the death benefit will be paid upon death of the insured. 

Please keep in mind that the primary reason to purchase a life insurance product is the death benefit. 

These calculators are for informational purposes only. Securian Financial and its subsidiaries will not be liable for any inaccuracies in the information calculated, and are not responsible for any decisions or actions taken as a result of the information provided.

Life insurance products contain fees, such as mortality and expense charges (which may increase over time), and may contain restrictions, such as surrender periods.

Policy loans and withdrawals may create an adverse tax result in the event of lapse or policy surrender, and will reduce both the surrender value and death benefit. Withdrawals may be subject to taxation within the first fifteen years of the contract. You should consult your tax advisor when considering taking a policy loan or withdrawal.

DOFU 12-2022