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Term Life Calculator

The following calculator will help you estimate your family's financial needs for life insurance, following their loss.

Financial Need

 Amount
       
 

Remaining Balance on Current Mortgage  

$

       
 

 Funeral Expenses  

$

       
 

Children's Future Education  

$

       
 

Debt (Autos, Credit Cards, Loans, etc)  

$

       
 

Family Emergency Fund  

$

       
 

Your Current Income*  

$

       

 Total Life Insurance Need**

$

* Your Current Income - Will be multiplied 7 times then added to the "Total Life Insurance Need".  This is to adjust for the fact that your family will need to replace your income for the rest of their life.  7 years is a typical time frame to adjust to the absence of your lost income.

** The "Total Life Insurance Need" is for estimation purposes only.  Only you can determine the exact needs of your family following their loss.

   

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"The term life insurance is offered by The American Life Insurance Company of New York, a fully licensed, 50-state insurance carrier with its home office located in New York, New York. American Life has a rating of Excellent (A-) from A.M. Best (on a scale of A++ to F) for financial strength and operating stability. The product is an obligation of the insurance company and is not a deposit, not FDIC insured and is not insured by any government agency. Life insurance policies contain exclusions and limitations; benefits may vary due to misstatement of age or sex. The policy is issued as policy form 1-350 21-184 or a variation thereof. The product may not be available in all states"