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Calculators that work for you.
Free, private, client-side calculators and expert guides for Life, Health, Auto, Home, Disability, and Long-Term Care insurance. No sales pressure. No commissions. Just clarity.
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Six core areas of insurance, each with dedicated calculators and guides.
Life Insurance
Term life, whole life, and coverage sizing — everything you need to protect the people who depend on your income.
ExploreHealth Insurance
ACA marketplaces, HSA vs FSA, HDHP vs PPO, and Medicare — make confident health coverage decisions.
ExploreAuto Insurance
Premiums, liability limits, GAP coverage, and deductibles — drive with the right protection.
ExploreHome Insurance
Dwelling, personal property, liability, and flood — insure your home for what it's truly worth.
ExploreDisability Insurance
Income replacement, own-occ vs any-occ, and benefit periods — protect your paycheck if you can't work.
ExploreLong-Term Care Insurance
Nursing home and in-home care costs, LTC premiums, and self-funding vs insurance — plan for long-term care.
ExplorePopular calculators
Instant, private estimates for your most common insurance questions.
Life Insurance Needs Calculator
Estimate how much life insurance your family needs using the DIME method.
Term Life Premium Estimator
Estimate annual premiums for a level term life policy.
Human Life Value Calculator
Quantify your lifetime economic value to your family.
Whole Life vs Term Life Comparison
Compare total cost of term plus investing vs whole life.
Life Insurance Rider Cost Estimator
Estimate the added cost of common life insurance riders.
Whole Life Cash Value Projection
Project cash value growth of a whole life policy.
Latest guides
In-depth, expert-written articles to help you decide with confidence.
Life Insurance 101: The Complete Guide for US Families
Everything you need to know about term, whole, and universal life insurance — from coverage sizing to policy selection.
12 min read
Term vs Whole Life Insurance: Which Is Right for You?
A clear comparison of cost, coverage, and cash value to help you choose between term and whole life.
10 min read
How Much Life Insurance Do I Need? A Practical Method
Move beyond rules of thumb with the DIME method to calculate your true coverage need.
9 min readYour numbers stay yours
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