Our free insurance calculators generally fall into one of three types of tools:  life insurance calculators, disability calculators, and miscellaneous calculators of various types.  You can use these calculators to get an estimate of the insurance needs you might have prior to consulting with an insurance carrier.

This simple life insurance calculator can be used to obtain an estimate of how much life insurance you need.  The calculator provides the user with a simplified estimate that is based on your monthly living expenses, future expenses, outstanding debt, and assets.

This comprehensive life insurance calculator can be used to get a fairly detailed estimate of how much life insurance you need.  The calculator breaks down insurance requirements into several categories including basic living expenses, significant future expenses, outstanding debt, and assets.  Based on your stated needs and present assets, the calculator is able to provide an estimate of any unmet additional life insurance needs.

This life insurance calculator figures out the level of life insurance you might need based on your earning potential or the income you provide to your family.  The calculator uses your current salary, fringe benefits, along with your expenses to estimate your life insurance needs and potential insurance gaps that may exist.

This disability insurance calculator can help you to estimate how much disability insurance you might actually need.  By examining your present income sources, as well as any potential disability income sources, the calculator can provide you with an approximation of any possible disability insurance gap.

This long term care calculator can help you to estimate the funds you might need to provide long term care (LTC) to a loved one.  The calculator uses the average daily cost of long term care / nursing home care, the projected number of years spent in a home, and the projected annual increase in LTC costs to determine if any funding gap exists.

This future long-term care cost calculator can help you to estimate the funds you might need, and the annual savings necessary, to provide long-term care (LTC) to a loved one.  The calculator uses the annual cost of long-term or nursing home care, years spent in a home, annual increase in LTC costs, funds saved, and rate of return on those savings, to determine if any funding gap exists.

You can use this free health care costs calculator to compare healthcare options that you might be offered at work or when comparison shopping for health insurance.  This calculator allows you to compare two health care plans at a time, with consideration for monthly premiums, copayments, deductibles, and coinsurance payments.