Step 1About You
Step 2Your Needs
Step 3Your Assets
Step 4Results
Tell us about yourself
We use this to frame the estimate (illustrative, not underwriting).
yrs
Children or others who rely on your income
2
yrs
Before taxes
$
If applicable
$
25
3.0%
Expected annual return on invested assets
6.0%
Financial obligations & needs
Amounts your household would need if you were no longer there (simplified lump-sum view).
Income replacement
Present-value annuity of future income need
$0
Often 70–80% of pre-tax
75%
20
Mortgage / rent balance
Outstanding balance
$0
$
Other debt
Cards, auto, student loans
$0
$
Education fund
Per child × count (present-value adjusted)
$0
$
Auto: 18 − youngest dependent age (editable)
yrs
Final / end-of-life expenses
Funeral, medical, settlement
$25,000
$
Existing resources
These reduce the illustrative coverage gap.
Savings & investments
$0
$
Retirement accounts
$0
$
Existing life insurance
Death benefit in force
$0
$
Social Security survivor benefits
Rough offset (annual × years)
$0
$
10
Illustrative coverage gap
$0
Needs minus resources — not a quote or offer
Total needs (selected)
$0
Total resources (selected)
$0
Where the need comes from
Disclaimer: This calculator is for educational discussion only. It is not an offer of insurance, not underwriting, and not tax or legal advice. Vantage Point Financial LLC is a registered investment adviser.
Results depend entirely on the assumptions and inputs you provide. Consult a licensed insurance and financial professional before purchasing coverage.