BLUE JEAN BROKER
Financial Protection Planning
Free Tool
Term Life Coverage Calculator
Find out exactly how much life insurance your family needs — not what a salesperson thinks you should buy.
1
Your Basics
This sets the foundation for your income replacement calculation.
Combined gross income before taxes
$
Used to calculate term length
Children and/or non-working spouse
Enter 0 if no children
2
Debts & Obligations
Your coverage should pay off what you'd leave behind.
Current outstanding balance (0 if renting)
$
Car loans, student loans, credit cards
$
3
Future Expenses
Turn on any categories that apply to your family.
Children's Education
Estimated college costs per child
Spouse Support Period
Years your spouse needs support to become financially independent
Final Expenses
Funeral, legal, estate costs (typically $15K–$25K)
4
Existing Coverage
We'll subtract what you already have to find your gap.
Total from all existing policies
$
Accessible cash your family could rely on
$
Your results are ready.
Enter your name and email to see your personalized coverage recommendation — plus a term length guide and beneficiary checklist.
No spam. Your results will also be emailed to you for easy reference.
Recommended Coverage
$0
— year term
How We Got There
Total Need
$0
What You Already Have
Coverage Gap
$0
Term Length Guide
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 can't 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 close your coverage gap?
Let's review your numbers together and find the right policy for your family's situation.
Schedule a Free Protection Review →