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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 your 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.

Detailed life insurance calculator

Get a detailed estimate

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

Use our detailed calculator
Quick life insurance calculator

Only have a few minutes?

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

Use the quick calculator

Why do you need life insurance?

Learn how life insurance can help make a difficult situation a little easier – at least financially.

Read the article

This calculator is for informational purposes only. Securian Financial Group and its affiliates 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.

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