Brian Wittman | Blue Jean Broker
Calculator

How Much Life Insurance Do You Need?

Find out how much coverage your family would actually need, built from your real numbers. You will get your full breakdown here and a copy to take to your insurance agent.

1
Your Basics
This sets the foundation for your income replacement estimate.
Gross income your family would need to replace. If you are the only earner, enter your household income.
$
Used for a rough premium illustration in your results.
Children and/or a non-working spouse.
2
Your Coverage Multiple
Most families land between 10 and 15 times their income. Slide to where your situation fits.
12x income
Enter income aboveIncome replacement base
10x (leaner)15x (maximum)
3
Optional Safety Nets
Extras you can choose to guarantee on top of your income replacement. All optional, all off until you turn them on.
Pay Off the Mortgage
So your family can stay in the home without the payment
Fund College
Set aside a dedicated education bucket per child
Anything Else You Want Guaranteed
A business, a debt, a goal, anything you want covered no matter what
Final Expenses
Funeral, legal, and estate costs (typically $15K to $25K)
4
What You Already Have
We subtract what you already have to find your real gap.
Total from all existing policies.
$
Accessible cash your family could rely on.
$

Where should we send your number?

Drop your first name and email and your full breakdown shows up right here. We will also send you a copy to take to your insurance agent, so you do not have to remember it all.

Your information is used to send your results and follow up if you want it. We never sell your data.

These numbers are yours to play with. Scroll up to change anything, your income, the slider, the safety nets, then hit Recalculate to see it update here.
Estimated Coverage Need
$0
How We Got There
Total Target
$0
What You Already Have
Coverage Gap
$0

Take This to Your Insurance Agent

Term Length: How to Think About It

Coverage amount is math. Term length is more personal. It depends on your health, your budget, and how long your family would actually lean on the coverage. Here is a quick guide to what each length tends to fit. Which one is right for you, and whether term or whole life makes more sense, is worth talking through together.

Beneficiary Checklist

✓Primary beneficiary named on policy (typically spouse or partner)
✓Contingent (backup) beneficiary named in case primary predeceases you
✓Beneficiaries reviewed after every major life event (marriage, divorce, new child)
✓If children are minors, consider a trust or custodian. They cannot legally receive a direct payout until 18.
✓Employer life insurance beneficiary designations reviewed (separate from personal policies)
✓Policy documents stored somewhere your beneficiaries can find them

Ready to put real coverage in place?

A life event is the moment to look at your whole picture, not just one piece. The home, the income, the debts, the kids, and the protection all move together. Let's walk through your number and how it fits the rest of your plan.

Schedule a Free Protection Review →

© 2026 Brian Wittman, Blue Jean Broker | Chicago suburbs, Illinois

Real Estate | Mortgage | Life Insurance | Financial Literacy

Educational tool only. Not financial, lending, real estate, tax, or legal advice. Insurance services offered through Levinson & Associates. Coverage figures are illustrative, based on the inputs you provide and general planning guidelines, and are not a quote or a substitute for a licensed insurance professional's review. Full disclosures at bluejeanbroker.com/disclosures.