Life insurance calculator
Estimate how much life insurance you need to protect your loved ones and obligations.
Why your number matters
Life insurance isn't about guessing. It's about knowing exactly what your family needs to maintain their lifestyle, pay off obligations, and build their future without you.
Five factors that shape your coverage
Enter your situation and see what emerges.
Income replacement
Income replacement
Years of earnings
Your salary forms the foundation. We calculate how many years of income your family would need to maintain their standard of living.
Outstanding debts
Outstanding debts
What you owe
Credit cards, car loans, student debt. Life insurance should cover what you leave behind so your family isn't burdened.
Mortgage balance
Mortgage balance
Your home's future
A paid-off home is security. We factor in your remaining mortgage so your family can stay in their home.
Dependents and goals
Dependents and goals
Education and beyond
Children's college, aging parents, final expenses. Coverage should reflect what matters most to you.
- Gather your numbers. You'll need your annual income, outstanding debts, mortgage balance, and number of dependents. Have them ready before you start.
- To add interactions which automatically expand and collapse sections in the table of contents select the content27_h-trigger element, add an element trigger and select Mouse click (tap)
- Answer honestly about your situation. The calculator works best when you're truthful about your financial obligations and family goals.
- Your estimate is a starting point, not a final answer. An Atlas Ridge advisor will refine it during your consultation based on your specific circumstances.
Get coverage in place
Find your coverage gap
Answer a few questions and see what life insurance coverage your family actually needs.
Annual gross income
Outstanding debts
Mortgage balance
Next steps matter
Your estimate is just the beginning. Let's discuss what it means for your family.
Questions
Everything you need to know about using this calculator and understanding your results.
This calculator uses industry-standard formulas based on your income, debts, and family situation. It provides a solid starting point for your coverage conversation. Your Atlas Ridge advisor will refine this estimate during your consultation to account for your specific circumstances and goals.
No. This calculator is an estimation tool only and requires no personal financial information that would trigger a credit inquiry. You maintain complete control over when and how you apply for coverage.
Life changes constantly. Your coverage estimate is valid as a planning tool, but we recommend reviewing it annually or after major life events like marriage, children, or significant debt changes. Atlas Ridge offers ongoing policy reviews at no additional cost.
Yes. This calculator helps estimate total life insurance needs, which includes mortgage protection. For a dedicated mortgage protection analysis, try our Mortgage Protection Calculator for more targeted results specific to your home loan.
The calculator works with basic information like age, income, and outstanding debts. You're never required to share identifying details unless you choose to book a consultation. Your privacy is protected at every step.
Talk with an advisor
Your calculator estimate is ready. An Atlas Ridge advisor can walk you through what it means and explore coverage options that fit your situation.
Get expert guidance
Share your estimate with an Atlas Ridge advisor who can help you understand what it means.
