Insurance category
Life Insurance
Protect your family's financial future with term, whole, and universal life insurance guidance, calculators, and comparisons.
Life Insurance Calculators
8 free, private tools
Life Insurance Needs Calculator
Estimate how much life insurance your family needs using the DIME method.
OpenTerm Life Premium Estimator
Estimate annual premiums for a level term life policy.
OpenHuman Life Value Calculator
Quantify your lifetime economic value to your family.
OpenWhole Life vs Term Life Comparison
Compare total cost of term plus investing vs whole life.
OpenLife Insurance Rider Cost Estimator
Estimate the added cost of common life insurance riders.
OpenWhole Life Cash Value Projection
Project cash value growth of a whole life policy.
OpenLife Insurance Affordability Calculator
See how much life insurance premium fits your budget.
OpenLife Insurance Estate Tax Estimator
Estimate estate tax exposure from a life insurance payout.
OpenLife Insurance Guides
8 expert-written articles

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 read
Life Insurance for Older Adults: Best Options After Age 60
Explore term, whole, guaranteed issue, and final expense policies for seniors.
9 min read
The Life Insurance Medical Exam: What to Expect
Prepare for your paramedical exam to secure the best health class and lowest premiums.
8 min read
Choosing and Managing Life Insurance Beneficiaries
Name the right beneficiaries and update them as life changes to avoid disputes and delays.
8 min read
Group vs Individual Life Insurance: What You Need to Know
Understand the limits of employer life insurance and when to buy your own policy.
8 min read
Universal Life Insurance Explained: Flexibility and Risks
Understand how universal life works, its flexible premiums, and the risks of underfunding.
10 min read