Insurance Planning Calculators
Tools built to give you real numbers, not estimates designed to scare you into buying something. Use them to understand your situation before you talk to an agent.
Final Expense True Cost Calculator
Goes beyond funeral costs. Calculates your real final expense gap including outstanding debt, estate administration fees, and what you leave your family to handle, minus what you already have in place.
Use calculator →Long-Term Care Cost Projector
State-level LTC costs projected to your likely age of need using real medical inflation data. See what a nursing home or home health aide will actually cost in 15–20 years.
Use calculator →Estate Tax Exposure Tool
Most people focus on the federal threshold. Twelve states have their own estate taxes, some starting at $1M. See whether your state applies and what your exposure looks like.
Use calculator →Disability Danger Zone Timeline
See what happens to your finances month-by-month if you're disabled tomorrow, including the SSDI gap that most people don't know exists until they need it.
Use calculator →