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Life Insurance Calculator


A few seconds can save you lots of time...and money!

If you're not sure how much life insurance you need, take a minute to use our calculator.  After all, your life insurance rates are determined in part by how much coverage you request.

Typically, you'll want to go with 8 to 10 times your annual salary. This is enough to help pay for funeral and burial expenses, as well as help your family through a tough adjustment phase. If you have lots of debt, a big family, or business obligations, you might consider a policy 12 to 15 times your annual income. Life insurance covers expenses such as credit card debt, mortgage payments, business obligations, private loan payments, car payments, and more.  Be sure you take all of your family's financial obligations into consideration when choosing a coverage amount.


Quick Life Insurance Calculator
Annual Income

NSACE Life Insurance Needs Calculator

(NSACE = The National Society of Agents for Consumer Education)

Step 1. Evaluate Your Income and Assets
What is your current income? $
How many years will your spouse need your annual income?    
Current investment income (Rental Properties, Dividends, Annuities, etc.) $
Existing liquid assets - All assets that can be turned into cash within 3 months (We recommend you not liquidate retirement accounts due to tax penalties) $
The amount of your existing life insurance coverage: $
Step 2. Evaluate Your Debts and Expenses
Outstanding mortgage balance: $
Outstanding loans: $
Final expenses: (Medical, Funeral, Taxes) $
Step 3. Evaluate Your Child Support College Expenses
*We suggest an average annual tuition cost of $15,000 - $20,000 per year
Child: Monthly child cost: Years child will require support: College expenses:
1 $ yrs
2 $ yrs
3 $ yrs
4 $ yrs
5 $ yrs
Additional Recommended Life Insurance:

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For over 40 years, our company has helped half a million American families protect their future with life insurance. We provide fast, free quotes for life, disability, long-term care insurance, and more.

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Copyright 2002-Present Pinney Wholesale Insurance Services - All Rights Reserved 2266 Lava Ridge Court, Roseville, CA 95661

*Comparison of each carrier’s best published rates for a
10-year level term policy, 30-year-old non-smoking female

^Represents 10-year level term life insurance rates for 40-year-old female,
in good health, no tobacco, residing in Ohio.

R. Jan Pinney CLU, ChFC is a licensed life insurance agent in all states and the District of Columbia. The following agent license numbers are provided for R. Jan Pinney as required by state law: CA agent #0440057, LA agent #291116, MA agent #1674866, MN agent #20270113, UT agent #58330, agent R. Jan Pinney, DBA Pinney Insurance Services. Commercial use by others is prohibited by law. This site provides term quotes. Each rate is a quote based on information provided by the carrier. No portion of Trusted Quote may be copied, published, faxed, mailed or distributed in any manner for any purpose without prior written authorization of the owner.

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