Insurance calculators

Four free, instant tools to size up coverage and premiums before you talk to a single agent.

New to coverage sizing? Read our guide: How much life insurance do I need? (the DIME method) — it explains every input in the life calculator below.

Life insurance coverage calculator

DIME method — debts, income, mortgage, education.

Annual income ($)Years of income to replaceMortgage balance ($)Other debts ($)Future education costs ($)Liquid assets to subtract ($)

Recommended coverage

$1,175,000

Round up to the nearest $100,000 when shopping for term policies.

Estimated monthly premium for a healthy applicant.

AgeCoverage amount ($)Term length (years)Tobacco user? Yes

Estimated monthly premium

$8.00 / mo

Real quotes vary by carrier and health class. Get 3 quotes before buying.

Combined GL + workers comp + E&O annual estimate.

Annual revenue ($)Number of employeesRisk class

General liability

$4000

Workers comp

$4250

E&O

$850

Total estimated annual premium

$9,100

Compare 3 commercial carriers — premiums for the same coverage often vary 30%+.

Rough monthly premium for a single driver / single vehicle.

Driver ageVehicle value ($)Coverage typeDriving record

Estimated monthly premium

$155 / mo

Shop 5+ carriers — auto premiums for the same risk often vary 40%.