Life Insurance Calculator

Please use numbers only (no commas) when completing fields.
STEP 1: Estimate your income and assets.
   
Estimate your annual current income.

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Estimate your annual current investment income. (interest, dividends, annuities, rental properties, etc.)

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Estimate your existing assets - All assets that can be turned into cash quickly. (We recommend you net retirement accounts due to taxes and tax penalties.)

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Estimate the amount of your existing individual and group life insurance coverage.

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Step 2: Estimate your debts, expenses and spouse/dependent needs.
   
Estimate your future cost of housing. (Homeowners use your outstanding mortgage balance. Renters use ten years of rent.)

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Estimate your outstanding loans. (Auto, school and credit cards)

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Estimate your final expenses. (Funeral, medical, taxes and legal.)

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Estimate your spouse/dependent needs. How many years will your spouse/dependents need your net annual income? (Use "NOT NEEDED" if no spouse/dependents) If spouse/dependents, use number of years until support is no longer needed. Consider number of years until youngest child is independent.

 

 
Additional Life Insurance Recommended

Any information, services, materials, software, calculators or other items on this site are provided "as is" without any warranty of any kind, either expressed or implied, including without limitation the implied warranties of merchantability and fitness for a particular purpose. Kentucky Home Life does not warrant that this site will be uninterrupted or error free. Any risk arising out of use or performance of the information, services, materials, software, calculators or other items on this site remains entirely with you. Under no circumstances will Kentucky Home Life be liable for any damages whatsoever arising out of the use or performance of the information, services, materials, software, calculators or other items contained on this site. The insurance quotes, sample rates, and calculations generated on this website are estimates based on the information supplied by the user, and are for general information purposes only. These estimates are not a contract, binder, or agreement to extend life insurance, but these estimates are for research and comparison purposes only. Use of this site is entirely at your own risk.

Actual premiums will be based on complete underwriting and may differ from these quotes, estimates, sample rates, and calculations. Insurance coverage shall not begin until underwriting approval, the policy has been issued, and all outstanding necessary requirements including payment have been satisfied. Kentucky Home Life insurance policies contain exclusions, limitations, reduction in benefits, and terms for keeping the policy in force. A licensed Kentucky Home Life agent can provide you with costs and complete details