Run your own numbers — no email required
Quick, private estimators. Every result is a year-stamped range, not a quote or a guarantee.
How much life coverage do I need?
The DIME method turns your debt, income, mortgage, and education costs into a real, defensible coverage number.
What is my Human Life Value?
Estimate the economic value of your future earnings to your family — the income a policy is really replacing.
Term life quick-quote range
See a banded monthly premium range for 20-year term coverage by age, gender, and face amount.
Mortgage protection needs
Find the coverage it takes to pay off the mortgage — with an optional cushion so no one has to rush a sale.
Are you on track for retirement?
Project what your savings become by retirement, compare it to the income you want, and see the gap — with a plain-English monthly fix.
Precious-metals allocation
See what a target allocation to physical gold and silver looks like in real dollars — and how far today's holdings are from it.
Every figure here is a year-stamped (2026) educational estimate — a range, not a quote, offer of insurance, or guarantee. Your real numbers depend on underwriting, markets, and your individual situation. Let's talk them through.
Calculator FAQs
How the estimators work — and what they are (and aren't).
They are educational estimates for the 2026 plan year — year-stamped ranges, not quotes or guarantees. Your real numbers depend on underwriting, current market conditions, and your individual situation, so treat the output as a defensible starting point to discuss with a licensed advisor.
No. Every calculator runs entirely in your browser — nothing you type is sent to us, saved, or shared. You can also call the same estimators as agent-callable tools via our WebMCP endpoint.
No. These are planning ranges, not an offer of insurance, credit, or securities, and not a guarantee of any rate, return, or approval. A licensed advisor turns an estimate into a real, coordinated plan.