Free Tool · Educational only
Insurance Needs Calculators
How much life, disability, and long-term care insurance does your family actually need? Estimate coverage and illustrative monthly costs — then see it all in one summary.
Gender (for pricing)
Health
Your age35
Your annual income$80K
Years to replace income20
Dependents (children)2
College fund per child$100K
Mortgage balance$350K
Student loans$0
Other debt$0
Final expenses$15K
Emergency fund for family$30K
Existing life insurance$0
Recommended coverage
$2.19M
Total need $2.19M − existing
20-yr term (popular)
$161/mo
How we got there
Income replacement (20 yrs)$1,600,000
College fund$200,000
Debt payoff$350,000
Final expenses$15,000
Emergency fund$30,000
Total need$2,195,000
Illustrative monthly cost
10-yr term
$119
20-yr term
$161
30-yr term
$214
Whole life
$1,605
Save results
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📖 Emergency Fund: How Much You Need and Where to Keep ItEducational disclaimer: All content on WealthSerene.com is for educational purposes only and does not constitute investment advice. Projections and calculations are illustrative — actual results will vary based on market conditions, your specific situation, and many factors outside this tool’s scope. Always consult a qualified financial professional for advice specific to your situation. View full disclosures →