LifeInsuranceCalc is a free educational tool. For questions about the calculators, content corrections, or general inquiries, reach out to us below.
We Are Not an Insurance Agency. LifeInsuranceCalc does not sell insurance products, provide insurance quotes, or connect you with insurance agents. We cannot give you insurance advice or policy recommendations. For a policy quote, contact a licensed insurance professional in your state.
A life insurance needs figure is an arithmetic answer to a set of assumptions, and the assumptions do most of the work. Income replacement years, expected investment return on a lump sum, whether a mortgage payoff is included, how many years of education costs are counted, and what existing coverage or savings get subtracted — change any one of those and the recommended face amount moves substantially. Two honest calculators can produce very different numbers from the same family's situation without either being wrong.
That means the most common reason a result looks surprising is not a bug but a hidden assumption. If a figure seems far off, tell us what you entered, what you got, and what you expected. We can usually identify which assumption is responsible, and if it turns out we have documented that assumption poorly on the page, that is a problem worth fixing for everyone who lands there next.
Genuine calculation errors do happen, and we would rather hear about one than not. Reports that name the specific calculator, list the inputs, and describe the expected behavior are the ones we can act on quickly. If you spotted a broken form field, a result that fails to update, or a page that misbehaves on a phone, that is equally worth sending — layout and interaction bugs are easy to miss and easy to fix once identified.
We are not an insurer, an agency, or a licensed financial adviser, and nothing on this site is individualized financial advice. We cannot quote a premium, assess your insurability, evaluate a policy you already hold, or tell you how much coverage you personally should buy. Underwriting decisions and personal recommendations require a licensed professional who can review your health, finances, and dependents in detail. Our role is to help you arrive at that conversation with a rough number and a clearer sense of which variables matter.