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Licensed in All 50 States • Over 48+ A-Rated Insurance Carriers
Same price as going direct — we just compare more options for you
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How Much Life Insurance Do You Actually Need?
Stop guessing. Our calculator analyzes your income, debts, dependents, and goals to give you a personalized coverage recommendation — in under 60 seconds.
Your Income & Family
We use this to calculate how much income your family would need to replace.
Before taxes
Leave blank or $0 if single or sole earner
0
Why Families Trust Us
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Families Protected
48+
A-Rated Carriers
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Did You Know?
Life insurance premiums are set by the carrier — the price is exactly the same whether you buy direct or through a broker. The difference? We compare 48+ carriers to find you the best fit. Our service is 100% free to you.
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Same price as going direct — but we compare 48+ carriers for you
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Frequently Asked Questions
How much life insurance do I actually need?
Most financial experts recommend 10–15 times your annual income, plus enough to cover your mortgage, other debts, children's education costs, and final expenses. Our calculator factors in all of these to give you a personalized number. A 35-year-old earning $75,000 with a mortgage and two kids might need $750,000–$1,000,000 in coverage.
Is life insurance really the same price whether I go direct or use a broker?
Yes — 100%. Life insurance premiums are set by the insurance carrier and filed with state regulators. The price is identical whether you buy directly from the carrier or through an independent broker like Evolve Legacy Group. The difference is that going direct limits you to one company's products, while we compare rates from 48+ A-rated carriers to find you the best fit at the best price.
How much does life insurance cost per month?
Less than most people think. A healthy 30-year-old can get a $500,000 term life policy for as little as $20–30/month. Even a $1,000,000 policy might only cost $40–60/month. The LIMRA Insurance Barometer Study found that consumers overestimate the cost of life insurance by 3x on average.
What type of life insurance is right for me?
It depends on your goals. Term life is best for affordable, temporary coverage during your highest-earning years. Whole life provides permanent coverage with guaranteed cash value growth. IUL offers market-linked growth with downside protection. Many families benefit from a combination. Our advisors can help you determine the right mix.
Do I need life insurance if I already have coverage through work?
Employer-provided life insurance is a great benefit, but it's usually only 1–2x your salary — far less than most families need. It also disappears if you leave your job. We recommend having a personal policy in addition to any workplace coverage.
We Compare Quotes From 48+ A-Rated Carriers
Important Disclosure
This content is for informational purposes only and does not constitute financial, tax, legal, or insurance advice. Individual circumstances vary. Consult with a licensed insurance professional or financial advisor before making any insurance or financial decisions. Policy features, benefits, and availability may vary by state and carrier.
Sources & References
- NAIC Consumer Guide to Life Insurance(Accessed Feb 2025)
- 2024 Insurance Barometer Study — LIMRA & Life Happens(Accessed Feb 2025)
- IRS Publication 525 — Taxable and Nontaxable Income(Accessed Feb 2025)
- College Board — Trends in College Pricing(Accessed Feb 2025)
- NFDA — National Median Cost of Funeral(Accessed Feb 2025)
All sources cited are publicly available and were verified at the time of publication. Evolve Legacy Group is committed to providing accurate, up-to-date information. See our Editorial Standards for more information.