No sales. No agents. Just honest numbers.
Our data comes from public sources and industry surveys — not from companies looking to sell you something.
We build estimates from actual rate data and published sources, updated regularly as conditions change.
We don't sell products, collect leads, or earn commissions. The information here is free and unbiased.
Life insurance is one of the most important financial decisions a family can make — and one of the most commonly deferred, misunderstood, or incorrectly sized. Most people either don't have enough coverage, are paying too much for the wrong type of policy, or haven't revisited their coverage since a major life change like buying a home, having children, or changing jobs.
MyLifeInsuranceCalc.com was built to give people an accurate, unbiased starting point: how much coverage they actually need based on their specific situation, and what that coverage should realistically cost. The calculator and guides on this site reflect research into actuarial data, carrier pricing, and state-specific factors — not commissioned content from insurers.
Coverage estimates are based on established actuarial frameworks and income-replacement methodologies published by groups including LIMRA and the American College of Financial Services. Premium estimates draw on published rate data across major term life carriers and are updated regularly as market conditions change. Every guide on this site cites its sources and distinguishes clearly between data-backed figures and estimates.
When a figure cannot be confirmed from an official or peer-reviewed source, we present the methodology and direct you to verify directly rather than publishing an unconfirmed number as fact. Full details are on our Editorial Policy page.
We are an independent consumer research publisher. We are not a law firm, an insurance agency, or a financial advisory firm. Nothing on this site constitutes legal, financial, or insurance advice. The calculator and guides here are for informational purposes only and are intended to help you have more informed conversations with licensed professionals.
The site is free to use and supported by advertising. We may connect people who request it with licensed professionals in relevant fields — we may receive compensation for such referrals at no cost to you, and you are never obligated to engage anyone. Our research is produced independently of those commercial relationships.
Brad Burton is the founder and editor of MyLifeInsuranceCalc.com. Brad has spent over a decade building consumer-facing research tools across life insurance, homeowners insurance, auto insurance, mortgage calculations, and workers compensation research — translating complex regulatory and financial systems into plain-language resources that help people make informed decisions before consulting a professional.
His work is rooted in a straightforward observation: the institutions people deal with in these situations — insurance companies, courts, lenders, carriers — have access to data and expertise that most consumers simply don't. Building tools that close that information gap is the mission behind every site he publishes.
The site is maintained by a small editorial team. Content is reviewed for accuracy regularly and updated when laws, rates, or published research changes. We are not licensed professionals in the areas we cover, and we say so plainly — our role is to make reliable information accessible and point you toward the right experts when your situation requires one.
Questions, corrections, or data issues? Contact us — we read everything and respond to substantive factual questions.
© 2026 MyLifeInsuranceCalc.com — All content is for informational purposes only.