Guide
How much life insurance do you need?
Tool, explanation, and the thinking behind it: how to count income years, debts, education, and what you've already got.
Add up your income (the years you want to protect), plus what you owe, plus future education costs, minus savings and group coverage you have now. Round to the nearest $5,000. This is a starting point, not instruction.
Coverage estimate
Income × years + debts + education − existing coverage = target amount, rounded to $5,000. A framework, not advice.
Why those inputs
How many years of income. Most people aim for ten to twenty years of income replacement; what makes sense depends on your dependents' timeline. Young families in Upland often prefer the longer range because costs for childcare, housing, and education all peak in the same years.
Outstanding debts. For most households, a mortgage is the biggest one. Choosing coverage that pays it off means survivors can stay without being forced into a sale.
Future education. Set aside an estimate per child in today's money. Easier to add it in now than to layer on another policy later.
Coverage you already hold. Savings available to spend plus group life through your employer. Bear in mind group policies end when employment ends, so most households count only part of that.
Once you've settled on a figure, the quote tool will show what that costs across 10 to 30 year terms with each carrier. At younger ages, the cost increase for more coverage is often minimal, so many people round up.