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.
Most life insurance calculators tell you to buy 10x your salary and call it a day. We think that's lazy. The right amount of coverage depends on your debts, your dependents, your income replacement needs, and what your family would actually need to get by. MyLifeInsuranceCalc.com is built to give you a real answer, not a sales target.
We combine standard actuarial methods with up-to-date published rate data from life insurance carriers to estimate what term and whole life coverage should cost at your age and health profile. Our articles draw on industry data, carrier filings, and independent financial research.
We don't sell life insurance and we don't refer you to agents. No one is paying us to quote high or steer you toward a particular carrier. The goal here is honest information.
Brad Burton started MyLifeInsuranceCalc.com after spending years watching friends and family buy too little coverage, too much coverage, or the wrong kind — usually because the tools available were either sales funnels or too complicated to be useful. He built this site to be the resource he wished existed: a straightforward place to get honest numbers with no sales agenda.
Brad has spent a decade building digital tools and reference sites in personal finance. He is not a licensed insurance agent or financial advisor. The content on MyLifeInsuranceCalc.com is research-based editorial guidance, not professional financial advice. For personalized coverage recommendations, readers should consult a licensed agent.
Questions or corrections? Reach Brad at brad@mylifeinsurancecalc.com.
MyLifeInsuranceCalc.com is supported by advertising. The site displays Google AdSense ads, which are served automatically by Google based on page content and visitor context. AdSense revenue does not influence what we write or how we present information — we receive no payments from any insurer, agent, or lead-generation company in exchange for coverage or recommendations.
The calculator, guides, and rate tables on this site are editorially independent. We don't sell leads and we don't earn commissions. The goal is accurate, honest information, funded by the same advertising model used by most free-to-read websites.
The quote request form on the homepage is powered by Formspree, a form processing service. When you submit a quote request, your information is forwarded to Formspree and may be used to connect you with licensed insurance agents. Formspree's privacy policy governs how your data is handled through that form. We do not sell your information to third parties.
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