Life Insurance
3 free calculators & converters. Every tool runs entirely in your browser — nothing you type is uploaded.
Available calculators
Life Insurance Needs Calculator
Use the DIME method (Debts + Income × 10 + Mortgage + Education) to estimate how much life insurance you need. Ballpark monthly premiums for term vs whole life.
Term vs Whole Life Insurance Comparison
Side-by-side cost and benefit comparison of term life vs whole life insurance over 30 years. See the math on when whole life might (or might not) be worth it.
Burial & Final Expense Cost Estimator
Estimate the cost of a funeral, burial or cremation, and how much insurance you need to leave for final expenses.
About the Life Insurance
All 3 free life insurance calculators and converters at Cover by mQuickCalc. No sign-up, no email, no data collected. The tool runs entirely in your browser, so nothing you enter is uploaded or stored.
Choosing the right tool
- Life Insurance Needs Calculator — Use the DIME method (Debts + Income × 10 + Mortgage + Education) to estimate how much life insurance you need. Ballpark monthly premiums for term vs whole life.
- Term vs Whole Life Insurance Comparison — Side-by-side cost and benefit comparison of term life vs whole life insurance over 30 years. See the math on when whole life might (or might not) be worth it.
- Burial & Final Expense Cost Estimator — Estimate the cost of a funeral, burial or cremation, and how much insurance you need to leave for final expenses.
For general information only, not financial advice — see our disclaimer.
Frequently asked questions
How much life insurance do I need?
A common rule is 10-12x your annual income, plus debts and college costs. The life insurance calculator estimates your needed coverage from income, debts and dependents.
How much does life insurance cost per month?
Term life for a 30-year-old in good health costs $15-30/month for $500,000 coverage. The life insurance calculator estimates premiums by age, health and coverage.
What is the difference between term and whole life insurance?
Term life covers a fixed period (10-30 years) and is cheaper. Whole life covers your entire life with a cash value component but costs 5-15x more. The term vs whole calculator compares costs.