Guide
How much life insurance do you need?
A tool that estimates your need using income replacement years, outstanding debts, education costs, and coverage you already own.
The standard approach: tally what your income replaces, add your debts and major goals, then subtract existing coverage. It won't be exact—and it does not need to be. Term is sold in blocks anyway, and your target is a round number that holds your household steady through the crucial years.
Coverage estimate
Rough estimate = (annual income × chosen years) + unpaid debts + education funds − current coverage, rounded to the nearest $5,000. Use it as a ballpark reference, not as personalized guidance.
Why those inputs
Income years: Most financial advisors use 10 to 20 years as the baseline; the right answer depends on how many years your family would need your income. Young families in Roseville frequently lean toward the longer end, since childcare, rent or mortgage, and school expenses all spike at once.
Debts: For most households, the mortgage is the biggest financial obligation. Enough coverage to pay it off in full lets your family choose their next steps instead of being forced by bills.
Education: An estimated cost per child, expressed in current-year money. Including it now is simpler than buying another policy later to cover this gap.
What you have: liquid savings available and any group coverage from your job. Group coverage often ends if employment ends, so people routinely count only a fraction of it toward their total protection.
Once you have a target, the quote engine displays pricing for that amount across 10- to 30-year terms from every carrier. Many people opt for slightly higher coverage; at younger ages, the extra monthly cost is usually minimal.