Free coverage calculator

How much coverage would your family actually need?

Most people guess low by two or three times. Move the numbers below and see what it would really take to keep the house and keep your family on their feet.

Mortgage balance remaining What you still owe on the home

Your annual household income Income your family would lose

Years of income to replace How long until your family could stand on their own Children at home Adds a college / launch cushion for each Other debts Car loans, credit cards, medical — optional

Life insurance you already have Including any policy through work

💡 Coverage through work usually ends the day the job does — that's why we subtract it separately instead of counting on it.

Recommended coverage

Enough to clear the house and steady the years after.

Text QUOTE for My Options See what I qualify for →

By texting QUOTE to (309) 239-1353 you agree to receive SMS from The Carmi Agency about your request, plus marketing messages about mortgage protection. Msg frequency varies. Msg & data rates may apply. Reply HELP for help, STOP to cancel. See our Privacy Policy & SMS Terms.

This is an educational estimate of how much coverage to consider — not a quote, an offer of coverage, or a guarantee of insurability. What it costs depends on your age, health and the carrier, which is what the 10-minute call is for.