LifePolicyFactsHow many years would your family stay covered?
Free life insurance calculators and plain guides for readers in the US, UK, Canada and Australia. Check the numbers before you talk to anyone who sells policies.
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Ten calculators that answer real questions
Each tool shows its working, runs in your browser and never asks for personal details.
Life Insurance Needs Calculator
Add up income, mortgage, debts and education to find the cover your family would need.
Open the calculatorPriceCost of Waiting Calculator
See how much more you could pay if you delay buying a term policy.
Open the calculatorCompareTerm vs Whole Life Calculator
Test buying term and investing the difference against the cash value in a whole life illustration.
Open the calculatorBudgetPremium Budget Calculator
Check what share of your take-home pay a life insurance premium would use.
Open the calculatorEstateBeneficiary Split Calculator
Turn percentages into exact payouts and make sure your shares total 100%.
Open the calculatorInflationInflation Impact Calculator
See what your cover could buy in the future and how much you would need to keep its value.
Open the calculatorMortgageMortgage Balance Cover Calculator
Estimate how your mortgage balance falls over time to size cover that matches it.
Open the calculatorSurvivalFamily Runway Calculator
Find how many months your family could manage on a payout plus savings.
Open the calculatorFamilyStay-at-Home Parent Value Calculator
Estimate the yearly cost of replacing childcare, housekeeping, cooking and errands.
Open the calculatorValueCost per 1,000 Coverage Calculator
Compare policies by what each 1,000 of cover costs per year.
Open the calculatorLatest guides
How Much Life Insurance Do You Really Need?
A plain method for putting a number on cover, with a worked example.
Read the guideCompareTerm vs Whole Life Insurance: What the Numbers Show
How the two policy types differ in cost, purpose and flexibility.
Read the guidePriceThe Real Cost of Waiting to Buy Life Insurance
Why delaying can raise your premium and what it can put at risk.
Read the guideFamilyDo Stay-at-Home Parents Need Life Insurance?
Why unpaid work still has a replacement cost and how to size cover.
Read the guideEstateLife Insurance Beneficiaries: Avoid the Common Mistakes
How to name primary and contingent beneficiaries correctly.
Read the guideInflationDoes Inflation Shrink Your Life Insurance?
What a fixed payout may buy in twenty years.
Read the guideWorkIs Life Insurance Through Work Enough?
The gaps in group cover and how to check yours.
Read the guideWhy trust LifePolicyFacts
We do not sell policies, take commissions or collect your details. Every number on the site is calculated with a formula shown on the page, and every guide is written and reviewed by Fawad Alam before publication.