Life Insurance Calculator USA | Insurance Simplified USA
🇺🇸 Free USA Life Insurance Calculator

How Much Life Insurance
Do You Really Need?

Get a personalized coverage estimate and monthly premium in under 3 minutes. Built on industry-standard underwriting principles.

🔒 100% Private — No Personal Data Stored
⚡ Instant Results
🏆 Industry-Standard Calculations
📊 10+ Calculation Methods

Personal Information

Your demographic details help estimate accurate coverage needs and premiums.

👤 About You

Ages 18–85 accepted Please enter a valid age (18–85)
Leave blank if no dependents

Financial Information

Used to calculate your income replacement needs, debts, and existing coverage gap.

💰 Income & Assets

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📋 Outstanding Debts

$
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Coverage Preferences

Choose your preferred calculation method and policy type to tailor results.

📐 Coverage Calculation Method

Select the income-replacement method to use for your coverage estimate:

🛡️ Policy Type

Health Information

Health factors are the single biggest driver of your underwriting class and premium rate.

📏 Height, Weight & BMI

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Enter height & weight

🚬 Tobacco & Nicotine Use

🩺 Medical Conditions

Select all that apply (past or present diagnoses):

🧬 Family Medical History

Has a parent or sibling been diagnosed with any of the following before age 60?

Lifestyle Factors

Occupation, hobbies, and driving history affect your risk classification.

💼 Occupation

e.g. underwater welding, electrical lineman, roofing

🏄 Hobbies & Activities

Select all activities you regularly participate in:

🚗 Driving & Legal History

Policy Riders

Riders add optional benefits to your policy. Each slightly increases your monthly premium.

➕ Optional Riders