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QuoteNavigator Term Life Insurance Needs Calculator
How much life insurance do you need? Calculating the economic value of a human life to a family is important, but there is no magic number. Our "Calculator" will provide you with an estimate of the amount of life insurance needed to replace a deceased wage earner's income. The calculations assume insurance proceeds are invested at a rate you specify and that your purchasing power is retained based on your assumed rate of inflation.

1st Step: Enter the annual replacement income that will be needed if the insured dies prematurely (before-tax).
2nd Step: Enter the number of years the replacement income will be needed by dependents / beneficiaries.
3rd Step: Please estimate the average annual interest rate you can earn on the invested life insurance proceeds. (%)
4th Step: Enter your estimate of the average annual inflation rate.
(The average rate for the last 10 years has been approx. 3 %)

Click on "Compute" to calculate the amount of life insurance needed to replace a deceased's lost annual income:
Estimated life insurance needed:  $

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