How Much Life Insurance Do You Really Need?

Use our L.I.F.E. Needs Analysis to calculate the right amount of coverage for your family’s future. Get clarity, not guesswork, so you can protect what matters most with confidence.

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L.I.F.E. Needs Analysis

Securing your family's financial future.

Use the L.I.F.E. methodology, calculating your family's total required financial resources and subtracting available assets to determine the necessary coverage gap.

The people you can trust the protection you need.

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Start by discovering your exposures

The first step in identifying how much life insurance you personally need is by outlining all your exposures. Fill out the following fields to determine your total exposure.

L

Loans & Liabilities

$

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+
car-insurane

Add all liabilitis: Mortgage, vehicle loans, student loans, and any debt or liabilities

I

Income Replacement

$

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car-insurane

Multiply your income by how many years of replacement are needed (5-10 years)

F

Final Expenses

$

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+
car-insurane

Funeral expenses in Florida are close to $10,000 on average.

E

Estate Planning

$

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=
car-insurane

Any education for kids or extra estate planning desired.

$

Total Exposure

Current mitigations in place

The next step is to determine what you currently have in place to mitigate these exposures and risks. Enter the following fields to get your final results.

$

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Total Exposure

-

$

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Current Policies

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car-insurane

Total all current life insurance policies including employer benefits.

$

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Current Assets

=
car-insurane

Total all current assets including cash reserves and liquid assets.

Your total need

$
Final step

You’re now ready to take the next step toward true protection. Our Insurance Guardian Consultant will use your information to tailor life insurance options that fit your unique goals and lifestyle. Don’t settle for cookie-cutter coverage, get a plan built specifically for you, so you can move forward with clarity and confidence.

Ready to protect your life?

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Need to get expert advice from our insurance consultant.

Home insurance doesn’t have to be complicated. We make sure you understand every option available.

Get your life insurance quote started

Don’t settle for cookie-cutter insurance. Get expert advice, competitive options, and the peace of mind that comes with having a trusted advisor on your side.