Every family has unique circumstances that can make it difficult to estimate their insurance needs. Take a few minutes to estimate the amount of income you may need to replace if you become unable to work because of a disability.
The amount of income you regularly take home every month after taxes and deductions.
Other Available Income
Includes any other monthly income your household regularly
receives, such as investment income, rental income, etc.
Mortgage or Rent
The total amount you spend on mortgage or rent every month.
Food and Supplies
The total amount your household spends on food and supllies every month.
The average monthly amount spent on all debts (other than mortgage),
such as credit card debt, and student or auto loans.
The average monthly amount your family spends on all household utilites
and other services
The amount you family pays each month for insurance, including auto, home, health, etc.
The amount your family usually pays out of pocket for medication and medical visits each month.
Childcare and Education
Total monthly amount needed for all family members.
Savings and Investments
The total amount of take-home pay you and your spouse or partner save and invest each month.
The amount your family spends each month on personal items,
clothing, entertainment, transportation, etc.
Add up all other recurring expenses your family spends each month,
including any monthly subscriptions or services.
Percentage of your income
This is our estimate for the minimum amount of take-home income
you should consider protecting in case you become disabled.