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Line A · Life
Life insurance calculators for agents let a website visitor estimate how much coverage their family would need — income to replace, mortgage and debts, final expenses, education — minus savings and existing policies. The agency receives that coverage gap with every input attached, so the first conversation starts from a number the prospect already believes.
What you get
Life
The visitor enters income, years until retirement, the share they spend on themselves, expected raises and a discount rate. You receive the present value of their future earnings — the upper-bound reference underwriters and planners use.
5 inputs · 5 results
Your visitor adds up income to replace, the mortgage, other debts, final expenses and an education fund, then subtracts what they already have. You receive the recommended coverage and every figure behind it.
8 inputs · 5 results
The visitor sets their monthly income, a replacement target, any group benefit, other household income and must-pay expenses. You receive the additional monthly benefit they would need and the shortfall against their bills.
5 inputs · 5 results
Use the needs-based calculator as the main tool on a consumer life page: it adds up concrete obligations and subtracts resources, which people find intuitive. Add human life value for higher earners and business owners, where the conversation is about the economic value of future earnings rather than a list of bills.
Needs-based analysis (often taught as the DIME method — debt, income, mortgage, education) produces a figure a family can audit line by line. That transparency is what makes the result persuasive and what makes the lead easy to work: you can see which line drives the number.
Human life value discounts a person's future net earnings to today's dollars. It tends to produce larger figures for younger, higher-earning prospects and is the classic framework for underwriting income-based coverage amounts. Read our field guide comparing the methods.
It tells you the size of the gap and why it exists. Income and years to replace show the household's dependency on one earner; mortgage and debts show fixed obligations; savings and existing coverage show what is already in place — including group life that may not survive a job change.
Put the needs calculator on the life insurance product page above the fold, link it from mortgage-related content, and add it to the post-quote thank-you page of your auto and home forms. P&C customers who just bought a house are the warmest life prospects most agencies already have.
A floating launcher widget keeps the life calculator one tap away on every page, and a tabbed widget can pair it with disability income and long-term care for a "protect your income" page.
FAQ
Answers first, details after.
The life insurance needs calculator and the human life value calculator are live. Term vs whole life, final expense and mortgage protection calculators are built and waiting for release; they appear on this hub the day they go live. The disability income calculator is cross-listed because income protection belongs in the same conversation.
No. It estimates an amount of coverage need and leaves product recommendations to your licensed producers. That is deliberate: the result stays an educational estimate, and the product conversation happens with someone who can assess suitability and is licensed to sell.
It is as accurate as the visitor's inputs and the method's simplifications. The needs calculator does not model inflation, investment returns on the death benefit or taxes, and it says so in its disclaimer. Treat the figure as the starting point of a needs analysis, not the end of one.
The calculator starts with sensible illustrative defaults, and you control its appearance, labels shown, definitions block and messages in your account. Many agencies keep defaults neutral so the visitor replaces them with real numbers, which makes the lead more useful.
If they choose to contact you, they submit their name and email and/or phone with their consent. The lead lands in your contacts with every input and result, you receive an email alert, and a webhook can post it to HighLevel or your CRM.
The needs calculator includes a final expenses field, so smaller-face-amount prospects can use it today. A dedicated final expense calculator is built and waiting for release.
Many can, but captive agents should check their carrier's rules for agency websites and third-party tools first. Some carriers restrict scripts on carrier-hosted agent pages but allow them on an agent-owned site. Our captive agent guide covers the questions to ask.
The insurance calculators, including every life tool, unlock on the Enterprise plan ($210 a month or $2,100 a year) with a 14-day free trial. The free Producer plan covers the general finance calculators.
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