Calculators

Plan with precision.

Run the numbers on protection, retirement income, and legacy in seconds. Every result is an estimate — book a meeting for a plan tailored to your life.

Protection

Life Insurance Needs

A DIME-style estimate: income replacement + debts + mortgage + education, less existing assets.

Annual income$150,000

Years of income to replace10 yrs

Debts (non-mortgage)$250,000

Mortgage balance$500,000

Future education costs$150,000

Existing savings & insurance$200,000

Recommended coverage

$2,200,000

Guideline only — actual need depends on structure, taxation, and legacy goals.

Retirement

Retirement Savings Projection

Compound growth of your current balance plus monthly contributions at a target annual return.

Current balance$250,000

Monthly contribution$2,500

Years until retirement25 yrs

Expected annual return7%

Annual contribution increase2%

Inflation rate2.5%

Projected balance

$3,851,574

≈ $2,077,503 in today's dollars after 2.5% inflation.

Income

Annuity Payout Estimator

Monthly income a lump-sum annuity could generate over a fixed payout period.

Premium (lump sum)$500,000

Assumed rate5%

Payout period20 yrs

Estimated monthly income

$3,300

Over 20 years at 5% assumed crediting rate.

Disability

Disability Income Gap

Most policies replace ~60–70% of income. This estimates the monthly benefit you should protect.

Annual gross income$200,000

Monthly essential expenses$9,500

Existing monthly DI coverage$4,000

Suggested monthly benefit

$6,833

Group LTD may cover part of this; individual DI often fills the gap.

Premium

Term Life Premium Estimator

An illustrative monthly premium range. Actual underwriting varies by carrier and health class.

Age40

Coverage amount$1,000,000

Term length20 yrs

Tobacco / rating load0%

Health class

Estimated monthly premium

$33

For a real quote, request one from our team.

Legacy

Human Life Value

Present value of your future earnings — a common benchmark for maximum insurable value.

Annual income$200,000

Current age40

Retirement age65

Income growth rate3%

Discount rate5%

Economic life value

$3,817,016

Discounted future earnings from now until retirement.

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