Life Insurance Needs Estimator

It can be difficult to determine the amount of Life insurance you need to protect your loved ones. Each family has its own unique set of circumstances, combined with the unexpected financial demands associated with the loss of life. Use the tool below to guide you in calculating the amount of Life insurance coverage you may need.


Immediate You Your Spouse/Domestic Partner
Funeral/burial expenses
(requiring payment upon death)
Federal/state income
Federal/state estate
Long Term
(credit cards, car, etc.)
Educational/vocational fund
Childcare expenses
Emergency fund
(unforseen expenses)
Income Replacement
Amount needed

NOTE: Consider the income and number of years needed to support your family.


Available Resources You Your Spouse/Domestic Partner
Existing life insurance
Other assets (401(k), stocks, etc.)

Calculated Results

Life Insurance Needs Analysis You Your Spouse/Domestic Partner
Total needs
Total resources available
Voluntary Life Insurance needed

You've calculated how much coverage your family might need. To see how much it will cost to purchase that amount of coverage (up to the maximum) through the KPERS Optional (Additional) Life insurance program, use the Premium Calculator.