20-Year vs 30-Year Term Life Insurance Comparison
Compare 20-year and 30-year term life insurance costs, total premiums, and coverage gap to find the best term length.
Free Life Calculators
19 toolsLife insurance need and cost calculators. Browse our free life tools below — no sign-up required.
Accidental Death & Dismemberment (AD&D) Value Calculator
Evaluate AD&D insurance value by comparing the benefit, probability of accidental death, and annual premium cost.
Business Continuation Insurance Calculator
Estimate the life insurance needed to keep your business running after an owner's death, covering operating expenses and transition costs.
Buy-Sell Agreement Insurance Calculator
Calculate life insurance funding for a buy-sell agreement based on business valuation, number of partners, and ownership percentages.
Child Life Insurance Value Calculator
Evaluate whether child life insurance is worth the cost by comparing premiums, cash value growth, and guaranteed insurability benefits.
Convertible Term Life Insurance Value Calculator
Calculate the value of a convertible term rider — compare conversion to whole life vs buying a new policy at an older age.
DIME Method Life Insurance Calculator
Calculate your life insurance needs using the DIME method — Debt, Income replacement, Mortgage, and Education costs combined.
Final Expense Insurance Need Calculator
Estimate the cost of funeral, burial, and end-of-life expenses to determine how much final expense insurance coverage you need.
Income Replacement Life Insurance Calculator
Estimate your life insurance need using the income replacement method — factor in annual income, years, inflation, and assets.
Indexed Universal Life (IUL) Calculator
Model IUL cash value growth with cap rates, floor rates, and participation rates tied to stock index performance.
Key Person Insurance Coverage Calculator
Calculate key person life insurance coverage based on the employee's contribution to revenue, replacement costs, and business impact.
Return of Premium (ROP) Rider Calculator
Calculate the ROI of a return-of-premium rider on term life insurance — compare ROP cost vs standard term and investing.
Single Parent Life Insurance Coverage Calculator
Estimate how much life insurance a single parent needs to protect children, covering childcare, housing, education, and daily expenses.
Survivor Income Need Calculator
Calculate how much income your surviving family members would need annually, factoring in expenses, survivor income, and Social Security.
Term Life Insurance Cost Estimator
Estimate monthly term life insurance premiums based on your age, gender, health class, term length, and coverage amount.
Term vs Whole Life Insurance Comparison Calculator
Compare term and whole life insurance side by side — analyze buy term & invest the difference with tax advantages.
Universal Life Insurance Value Calculator
Project universal life insurance cash value over time with flexible premiums, credited interest rate, and cost of insurance.
Variable Life Insurance Calculator
Project variable life insurance cash value under optimistic, moderate, and pessimistic investment scenarios and COI charges.
Whole Life Insurance Cost & Cash Value Calculator
Estimate whole life insurance premiums and project cash value growth over time with this educational cost calculator.