How much term life and disability insurance do I need? Dave Ramsey recommends 10-12 times your income for term life insurance. But for a more custom calculation, use Zander’s Insurance Calculator below as an easy to use tool that can help you estimate how much life and disability insurance you need based on your own personal information.

LIFE & DISABILITY INSURANCE CALCULATOR

What is your age?(Earlier in life, you may have a greater need for insurance)

What is your burial cost?(Average expense $7500 - $10,000)

What is your debt?(Includes mortgage, credit card, college loans. To be paid off)

What is your savings?(non-retirement) (More savings reduces need for life insurance)

What is your retirement savings?(Money in retirement accounts such as 401k, Roth IRA, IRA and other tax sheltered instruments)

What is your annual income?(Your income factors into how much disability and life insurance coverage you need)

Are you married?

YesNo

(A spouse may create a need for life insurance)

How many children age 18 or under?(Dependents will increase your need for insurance)

Your life insurance need is

Your monthly disability insurance need is

More information on How Much I Need and For How Long.

Your life insurance need is

Your monthly disability insurance need is

More information on How Much I Need and For How Long.

TERM LIFE INSURANCE

Get a Free Term Life Insurance Quote, Instantly!