Insurance
Insurance
Insurance protects the plans everything else depends on, and the first question is always how much cover you actually need. Size a policy with the DIME method — income, mortgage, debts, education, minus what you already hold — then read the guide on why term beats whole life for most families.
Insurance calculators6
Life Insurance Needs Calculator
How much life insurance do you need? Add up income replacement, the mortgage, debts, and education, subtract what you already have, and see the coverage gap.
HDHP vs PPO Calculator
Compare a high-deductible health plan against a traditional PPO across a year of medical spending, including HSA money and the deductible, coinsurance and out-of-pocket cap.
Disability Insurance Calculator
Work out whether your group disability coverage would actually pay the bills — including the tax that applies when your employer pays the premium — and the monthly gap left over.
Home Insurance Coverage Calculator
Check whether your dwelling coverage would actually rebuild your home, what a percentage deductible really costs, and whether a co-insurance clause would cut your claim.
Term vs Whole Life Insurance Calculator
Test 'buy term and invest the difference' against a whole-life policy — the low term premium plus the invested gap, compared to whole life's cash value.
Umbrella Insurance Calculator
Size an umbrella liability policy against what a lawsuit could actually reach — your net worth plus future income — above the limits your auto and home policies carry.