Free Educational Tools
Insurance calculators & tools
Quick, honest estimating tools to help you think through your situation before you talk to anyone. All run in your browser — nothing is collected. None of these is a quote, recommendation, or financial advice.
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Five ways to get oriented
Each is a starting point, not a substitute for a personalized conversation.
For all life products
Life Insurance Needs
Estimate how much coverage to consider using the DIME method — Debt, Income, Mortgage, Education.
Open calculatorIncome protection
Disability Income Gap
See the monthly shortfall you'd face if a disability stopped your paycheck, after employer coverage.
Open calculatorLong-term care
Long-Term Care Cost
Project a rough future cost of care from today's cost, a time horizon, and an inflation assumption you set.
Open calculatorOur specialty
Is IUL Right for Me?
An honest six-question self-assessment — no projections, no numbers, no sales pitch. Just clarity.
Start assessmentRetirement income
Is an Annuity Right for Me?
An honest six-question self-assessment — no income projections, no numbers, no sales pitch. Just clarity.
Start assessmentFuneral & end-of-life costs
Final Expense Cost
A simple worksheet to add up funeral, burial, and small final costs into a rough range — not a recommendation or a number you need.
Open worksheetAbout These Tools
Honest by design
These calculators use simple, transparent methods and deliberately avoid pretending to predict things that can't be predicted. They're meant to help you think — not to replace advice or generate a quote. Every estimate should be confirmed in a personalized, no-pressure conversation with a licensed agent.
Ready to turn an estimate into a real plan?
Bring your numbers — or none at all — and we'll work through it together. Free, no obligation, no pressure.
Get a free consultation