Calculator Calculator

How much life insurance do you need?

Answer a few questions to find out.

Answer a few simple
questions to find out.

  • Assets
  • Income
  • Expenses
  • Results
  • Calculator

    Life Insurance

    How much life insurance do you currently have?

    Include employer group insurance and personal insurance.

  • Funds

    Savings & Investments

    How much money do you have in savings and investment accounts?

    Include bank accounts, CDs, stocks, bonds, mutual funds, real estate, etc.


    How much money do you have in retirement accounts?

    Include 401(K)s, IRAs, pensions, profit sharing plans, etc.

  • Income


    How much annual income would your family need if something were to suddenly happen to you?

    Enter a number that’s between 60-80% of total income depending on how much you think your family will need. Include all salaries, dividends, interest and any other sources of income.


    How much annual income is available to your family from sources other than your income?

    Include any dividends, interest, spouse's/partner's income and Social Security. Do not include your salary.

  • Years

    How many years would your family need support?1

    If you suddenly weren't there, how many years do you think your family would need to replace the loss of your income?

  • Debt

    How much debt do you have?

    Include your mortgage balance, credit card debts, car loans, student loans, home equity loans, etc.

  • College

    How much do you think you’ll pay for your children’s college educations?

    Average costs for 2013/2014, including tuition, room and board.
    Source: The College Board (opens in new window)

    Public, in-state: $91,304 / 4 years
    Public, out-of-state: $144,544 / 4 years
    Private: $179,000 / 4 years

  • Funeral

    How much would your family need to pay for funeral costs?

    The cost shown below is the national average.
    Adjust it to match your needs.
    Source: National Funeral Directors of America (opens in a new window)

  • dollar sign

    The Value of All You Do

    How much would your family need to spend to cover all the things you do for them?

    Based on your results from

    Did you know the things you do for your family—the cooking, errands, and caring for the kids—all have a financial value too?

    So when you're thinking about protecting your family, it's important to include The Value of All You Do.

  • Assets
  • Income
  • Expenses
  • Results

You need about
in life insurance.

Get some advice

For a more thorough discussion of your life insurance needs,
talk with a financial professional.

Find a Financial Professional (Opens Find a Financial Professional)

1Inflation is assumed to be 3%. College costs are indexed at 4.5%. The rate of return on investment is assumed to be 4.5% after tax. The return is purely hypothetical and is used for illustrative purposes only. Performance results are not indicative of any particular investment. Actual results and investment risks will vary.

Life insurance is issued by The Prudential Insurance Company of America, Newark, NJ, and its affiliates, all Prudential Financial companies. Benefits and terms for keeping them in force. Your licensed financial professional can provide you with costs and complete details. Our life insurance policies contain exclusions, limitations, reductions in benefits and terms for keeping them in force. Your licensed financial professional can provide you with costs and complete details.

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Life Insurance

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Value of All You Do

Value of All You Do

Now find out just how much "a lot" really is.

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