Are You Underinsured?
Find out in 2 minutes. Enter your numbers and see the gap between what you have and what your family actually needs.
What best describes your family situation?
This helps us calculate how many people depend on your income.
What is your annual household income?
Your gross (before-tax) income. This determines how much income your family would need to replace.
Your debts and income replacement
How many years should your family be covered, and what debts would they inherit?
Future expenses to cover
Education costs and final expenses your family would face.
We estimate $50,000 per child for college education
Average funeral costs in Florida: $8,000 - $15,000
What coverage and savings do you already have?
This is the key question — let's see how your current resources stack up against your needs.
Include employer-provided and personal policies
Your gap analysis is ready
Enter your info below to see your personalized coverage gap report. A licensed Florida agent will follow up with options — no obligation.
Your family's coverage gap
Your Coverage Breakdown
Close Your Coverage Gap
Get a free, personalized quote to protect your family from this gap. Ali will find the most affordable option for your situation.
Get My Free QuotePrefer to talk? Call Ali at (239) 800-8508
Frequently Asked Questions
How much life insurance do I need?
Most financial experts recommend 10-15 times your annual income, plus enough to cover your mortgage, outstanding debts, children's education, and final expenses. The exact amount depends on your family's unique situation, which is why we built this calculator. A general rule of thumb is to total your financial obligations and subtract your existing assets — the remainder is what life insurance needs to cover.
What is a life insurance coverage gap?
A coverage gap is the difference between how much life insurance your family actually needs and how much you currently have. For example, if your family needs $750,000 but you only have $250,000 in coverage, your gap is $500,000. This means your family would face half a million dollars in uncovered expenses — mortgage payments, daily living costs, and more — if something happened to you.
How do I know if I'm underinsured?
You're likely underinsured if your current coverage doesn't account for your full mortgage balance, all outstanding debts, 10+ years of income replacement for dependents, children's future education costs, and final expenses. Research shows that 41% of Americans have no life insurance at all, and many who do have far less than they need. This analyzer helps you find out exactly where you stand.
Is this calculator really free?
Yes, completely free. We ask for your contact information so Ali, a licensed Florida insurance agent, can follow up with personalized coverage options. There is zero obligation to purchase anything. You'll get your full gap analysis instantly.
Does my employer life insurance count?
Yes! Include any employer-provided life insurance in the "Current life insurance coverage" field. However, keep in mind that employer coverage typically only provides 1-2x your salary, which is usually far below what your family needs. Plus, you lose that coverage if you change jobs. Many financial advisors recommend having a personal policy in addition to employer coverage.
How accurate is this calculator?
This calculator uses the same needs-analysis approach used by financial planners: it totals your obligations and subtracts your resources. It provides a solid estimate, but your actual needs may vary based on factors like inflation, investment returns, and specific family circumstances. For a precise assessment, Ali can do a detailed review during your free consultation.
