Free Tool

Human Life Value Calculator

A holistic way to size life insurance: what your family would need for retirement, college, and final expenses, less what your investments are projected to cover by then. Your numbers never leave your browser.

Your situation

$
$
$
$
$
%

Projected investments to age 70

$0$375k$750k$1.1M$1.5M353943475155596367Total need
InvestmentsTotal need

Recommended life insurance coverage

$801,238

Retirement (25 yrs × $50,000)$1,250,000
College expenses$50,000
Burial costs$8,000
Projected investments (35 yrs at 5%)−$506,762
Review this with an expert

A human life value estimate, for education only, not a policy recommendation. Your numbers stay in your browser.

How this works

Your human life value is the economic value you represent to the people who depend on you. This calculator totals the big future obligations (funding retirement for your spouse, putting kids through school, final expenses) and subtracts what your current investments plus annual contributions are projected to grow to by your retirement age. The gap is the coverage that disappears from your family's future if you do.

It answers a different question than the DIME needs calculator, which focuses on debts and income replacement today. Run both: if the numbers are far apart, the difference usually tells you something about how much of your plan currently depends on you staying alive and earning.

Have your number? Now design the policy around it.

A Fit Call turns this estimate into a real strategy: the right coverage, structured to build cash value you control, not just a death benefit.

How can we help?

Real people, no phone menus. No pressure, just answers.