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Takes about 30 seconds. Gender is optional.
Green bars show estimated income for each year.
This estimate is for education only. It is not a quote or financial advice. It is not about one policy or insurance company. It cannot tell if you qualify. It uses the numbers you entered, not your health history or an application.
The amount you entered may cover the mortgage or rent, food, car costs, care, and savings.
This estimate is for education only. It is not a quote or financial advice. It is not about one policy or insurance company. It cannot tell if you qualify. It uses the numbers you entered, not your health history or an application.
This example shows three years at 30% of expected income, followed by a gradual recovery.
Green = income received. Gray = income not received in this example.
This estimate is for education only. It is not a quote or financial advice. It is not about one policy or insurance company. It cannot tell if you qualify. It uses the numbers you entered, not your health history or an application.
This estimate is for education only. It is not a quote or financial advice. It is not about one policy or insurance company. It cannot tell if you qualify. It uses the numbers you entered, not your health history or an application.
Your income pays for housing, car costs, savings, and the people who rely on you. If illness or injury limits your work, those costs do not go away.
What you may insure
Protect the source.Disability income insurance may replace part of your income if illness or injury keeps you from working. Benefits depend on the policy and the facts of a claim.
This estimate is for education only. It is not a quote or financial advice. It is not about one policy or insurance company. It cannot tell if you qualify. It uses the numbers you entered, not your health history or an application.
An illness or injury may interrupt your pay while you recover. A sudden death can stop future paychecks permanently while the people who depend on you still face housing, daily expenses, debts, and plans for the future.
A quote is a starting point. It cannot determine how much coverage your family needs or whether a policy fits the rest of your plan.
The income figures in this calculator are not a life insurance recommendation. Savings, debts, existing coverage, household income, and the length of support needed are not included in a life insurance needs analysis.
That income may cover housing, living costs, retirement savings, and the people who depend on you. This is not a prediction. It shows why it may be worth reviewing how much income you could replace and for how long.
This calculator can help you organize the income your household depends on. It cannot tell you what your family actually needs or which type of protection fits. I can help you look at the whole picture.
Bring these figures into the conversation as a starting point. The calculator does not determine coverage needs, eligibility, benefits, or premiums.
We total the annual income you entered from age to age , then increase it by each year.
We then model a six-year health event that starts five years from now. The example uses 30% of expected income for three years, followed by 60%, 85%, and 100%.
Real life may be different. Your health, time away from work, taxes, plan rules, and whether you can get coverage may change the result.
This estimate is for education only. It is not a quote or financial advice, and it does not describe a specific policy or insurance company. Real life may be different. Your health, time away from work, taxes, plan rules, and whether you can get coverage may change the result.