How much life insurance do you actually need?
Most families are guessing. Life insurance isn't just about burial expenses. It is about replacing income and protecting the people who count on you. Get the free Income Replacement Calculator and find your real number.
Not a quote. Not a sales pitch. A starting point for clarity.
The real question
Not "how much does a funeral cost?", but "if my income stopped tomorrow, how much would my family actually need?"
That number is usually much bigger than most people think.
Your income does more than pay bills
Your paycheck quietly holds an entire household together. Here's some of what it covers:
- The mortgage or rent
- Groceries
- Utilities
- Car payments
- Childcare
- School expenses
- Debt payments
- Medical costs
- Emergency savings
- Future college needs
- Retirement support for your spouse
- Everyday stability
What this calculator helps you understand
A simple, honest tool to estimate how much life insurance your family may need based on your income, expenses, debts, and future responsibilities.
- How many years of income your family may need replaced
- How much debt should be considered
- How mortgage protection factors into your coverage amount
- How children, education, and future expenses impact your number
- Whether your current coverage may be too low
- Why employer-provided coverage may not be enough
If your family depends on your income, they also depend on your plan.
A small policy through work or just enough to cover a funeral often isn't enough. Your family doesn't just lose you emotionally. They may also lose:
- Your paycheck
- Your benefits
- Your financial support
- Your ability to help with future goals
- Your contribution to the household
That gap deserves a real number.
Who is this calculator for?
Whether you already have coverage or are just getting started, this calculator helps you see where you stand.
"Love is not just what we say. It is what we put in place."
I created this calculator because too many families are under-protected and don't realize it until it's too late.
My goal is not to scare you. My goal is to help you think clearly, plan responsibly, and protect the people who count on you.
Glenda, Wealth Companions
Ready to find your number?
Download the free Income Replacement Calculator and find out how much protection your family may actually need. Before life makes the decision for you.
Get Instant Access