Life, Home and Personal Insurance Calculators

These calculators do the arithmetic around insurance numbers that you type. For life insurance: a needs worksheet with three methods side by side, the total and per-$1,000 cost of a term quote, a quote-scaling and payment-mode check, the return implied by a whole life illustration and the balance a mortgage-protection policy would have to cover. For property: rebuild-cost and replacement-cost rules for homeowners coverage, a room-by-room inventory for renters, and an exposure worksheet for umbrella limits. They do not know your health, your underwriting class or your policy wording, and they never produce a quote. Compare written quotes from licensed insurers and ask a licensed agent or advisor.

Tools in this group

• How Much Homeowners Insurance Do I Need? — Enter your living area and your rebuild cost per square foot to see the dwelling figure, the other coverage lines as published percentages, and what the 80% rule pays on a partial loss.
• How Much Life Insurance Do I Need? — Type your income, debts, mortgage, education fund and what you already have; the page works out the needs-based, DIME and income-multiple totals and the gap left after existing coverage and savings.
• How Much Renters Insurance Do I Need? — Type the replacement value of each room to get a personal property total, then test a loss, a liability limit, living costs while displaced and a depreciation percent.
• Index Universal Life Insurance Calculator — Type yearly index changes and your contract's cap, participation rate, floor and charges to see the credited rate and account value for each year.
• Life Insurance Cost Calculator — Type the premium and coverage from your quotes; the page scales a quote to another amount, compares quotes per $1,000 and totals them over the term, and shows what other payment modes add.
• Mortgage Life Insurance Calculator — Enter the loan, rate, term and years paid; the page shows today's balance, the year-by-year schedule, the average balance over the cover years and what your quoted premiums come to.
• Sell Term Life Insurance Policy Calculator — Type the death benefit, your premium, the years until payout and the return a buyer wants to see a price ceiling and the tax on a sale.
• Term Life Insurance Calculator — Enter the coverage, term and the premium you were quoted; the page gives total premiums, cost per $1,000 a year and, with your age, the chance of death in the term from a public life table.
• Term vs Whole Life Insurance Calculator — Type a term premium, a whole life premium and the cash value in a year to see what the difference grows to and the return it needs.
• Umbrella Insurance Calculator — Enter your assets, the amount you list as out of reach, and your home and auto liability limits to see the exposure above them in $1,000,000 steps. No price is shown.
• Universal Life Insurance Calculator — Type the premium, death benefit, cost of insurance rate and credited rate from your illustration to see the policy value year by year and whether it runs out.
• Whole Life Insurance Cost Calculator — Copy the annual premium and the cash values for up to five policy years from your illustration; the page shows premiums paid, cash value against them, the implied yearly return and the break-even year.