Life insurance calculators and tools are intended to be educational and are not tailored to the life insurance needs of any specific individual. Start the calculator below by deciding what you want your life insurance to cover. Not all agents are licensed to sell all products. 0 Years Policy. So, before you get the calculations going, let’s discuss what this type of policy is. Instead, pay a fraction of the cost for term life insurance. Use our life insurance calculator. Not sure how much life insurance you need, or if the coverage you have is enough? By using a whole life insurance calculator, you can take steps to secure your family’s financial future. Government, education, healthcare, not-for-profit plans, Single? Comparison is based on the average weekly premium for Nebraska Payroll Premium rates industry Class A; Aflac Life Solutions WHOLE LIFE POLICY - Series A68100; Female non-smoker age 18-21. A whole life insurance policy builds equity, known as cash value, and is guaranteed for the rest of your life once in place. Your search for affordable Health, Medicare and Life insurance starts here. Whole Life Long Term Care From Your Employer ... A life insurance policy could help make sure … Product/Fund Performance & Regulatory Documents, Modal Charge Disclosure and APR Calculator. Just answer a few questions about your finances and you’ll receive an instant result telling you how much cover you may need to ensure peace of mind and financial protection for the ones you love. Depending on the chosen program, you can partially or completely protect yourself from unforeseen expenses. Existing life insurance coverage: $0. Some types of life insurance policies, including whole life, universal life and variable life, can accumulate cash value during the policyholder's lifetime. You may calculate the insurance premium for the following plans – Life insurance plans. Consider your income, mortgage, savings and debts carefully to get the most accurate results. With whole life insurance, unlike term, you earn guaranteed cash value, which you can use however you want. Life Insurance – Insurance that pays out a sum of money either on the death of the insured person or after a set period. Certain policies also accumulate a cash value the certificate holder can borrow against or receive upon surrendering the certificate. This will help you estimate the amount of coverage you'll need. Use our life insurance calculator to analyze your needs and gauge the right amount to purchase. Participating whole life insurance is eligible to earn dividends, 1 which can increase the death benefit and the cash value of the policy. Our quoting tool is provided for your information only. How Do I Calculate the Amount of Whole Life Insurance I Need? Whole Life Insurance – Life insurance that pays a benefit on the death of the insured and also accumulates a cash value. Unfortunately, there isn't an easy formula for you to plug in your life expenses to figure out how much insurance you'll need. All rights reserved. Or, you can use it as collateral when applying for bank loans. This will help you estimate the amount of coverage you'll need. Like most group life insurance policies, MetLife’s group life insurance policies contain certain exclusions, limitations and terms for keeping them in force. Remember that our life insurance calculator can only offer a suggestion and isn’t a recommendation. Additional life insurance needed: $91,145. Term life is cost-effective protection for a specified amount of time. Logically, whole life insurance is a policy that is for your whole life protection. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency in all 50 states and DC. 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