The Human Life Value Calculator

What it would take to protect your family's future

How much life insurance would keep your family's income and goals intact if one of you were gone? A household usually needs coverage on each person who earns or contributes — so run one calculation per spouse. Every figure updates live.

Not ready to run the numbers yet? Start with the story — “If You Weren’t Here Tomorrow” · 6 min read →

Calculating coverage on

Two calculators — one per person. Fill in Spouse 1 and the names carry across to Spouse 2 automatically, since each spouse is the other's survivor. Give each their own income and coverage.

“What will it cost?”

Honestly, it depends on you — your age, your health, how much coverage you need, and the type that fits. Anyone who quotes a number before knowing those is guessing. But two things are usually true: it’s often less than people expect, and you’ll see real options before you decide anything. The calculator tells you how much coverage; a short Protection Review tells you what it costs for you.

“Which companies do you use?”

I’m independent — not tied to one company — so I shop the top carriers and bring you the strongest fit. I only place coverage with financially strong, highly rated companies (A‑rated or better) that are competitive on price. You get quality without compromising on cost — the same standard my existing clients count on.

Rather look at your own numbers with someone?

A Protection Review Session is a focused look at how your plan protects the people who depend on you — and what a coordinated approach would do differently. You leave knowing your real number, whether or not you change a thing.

Nate ButlerRetirement Income Specialist · Forte Life

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