Transparent estimates
Calculate the question.
Not the answer.
These tools create a planning range and show the arithmetic. They do not recommend a policy or replace a professional estimate.
Read the output correctly
A planning estimate is not a coverage recommendation.
Each calculator isolates one financial question and makes the arithmetic visible. Real insurance decisions also require contract terms, eligibility, jurisdiction, taxes, inflation, existing resources, and professional estimates where appropriate.
| Calculator | Formula used | Important information not modeled | Best next step |
|---|---|---|---|
| Life needs | Income × years + debts + goals − available assets | Inflation, taxes, investment returns, survivor income, benefit timing, and underwriting | Build a year-by-year household cash-flow estimate |
| Home rebuild | Area × local rebuild cost + other structures + contingency | Land, demolition detail, code specifics, custom finishes, labor surge, and insurer methodology | Obtain a local replacement-cost estimate and inventory |
| Auto deductible | Emergency cash − proposed deductible | Premium difference, vehicle settlement value, multiple losses, financing, and repair delays | Compare deductible savings with the cash retained |
Use ranges, not false precision.
Change one input at a time and observe how sensitive the output is. A result that changes dramatically under reasonable assumptions deserves more investigation than a stable result.
Save the assumptions beside the number. A figure without its date, source, and method becomes misleading as costs and household facts change. Review how policy limits and deductibles convert the estimate into retained or transferred risk.
Three useful stress tests
- Increase rebuilding cost, care cost, or support years to test a severe scenario.
- Reduce available savings to reflect assets that may not be liquid during a loss.
- Model two deductibles or disruptions in one year instead of assuming a single event.
Privacy and storage
Calculations run in your browser. Do not enter account numbers, medical details, Social Security numbers, or other identifiers; the tools do not need them. Use the quote checklist to turn the resulting questions into a consistent provider conversation.