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Quick life insurance calculator

Get a quick estimate of your life insurance needs

To estimate the amount of life insurance you need, you’ll want to determine what you must protect in the event of your death. Answer seven basic questions below to quickly receive an estimate for how much life insurance you and your family may need.

Before you get started, it may be helpful to determine how many years it will be until your children (if you have any) are financially independent, as well as when you plan to retire.


Your individual financial situation may require more or less insurance than these suggested amounts, to cover personal debts and fund other expenses.

Remember, your calculation is based on today's costs and doesn't account for inflation or changes in annual earnings. Review your needs periodically - even annually - to help ensure that your needs will be met now and in the future.

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This calculator is for informational purposes only. Securian Financial Group 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 charges, such as Cost of Insurance Charge, Cash Extra Charge, and Additional Agreements Charge (which we refer to as mortality charges), and Premium Charge, Monthly Policy Charge, Policy Issue Charge, Transaction Charge, Index Segment Charge, and Surrender Charge (which we refer to as expense charges). These charges may increase over time, and these policies may contain restrictions, such as surrender periods. Policyholders could lose money in these products.

DOFU 8-2023