Life and AD&D Insurance

Life Services Tookit Needs Estimator Premium Calculator

Voluntary AD&D Insurance

Premium Calculator

Long Term Disability Insurance

Needs Estimator Premium Calculator

How to Enroll

Travel Assistance

Forms Basic and Supplemental Life Beneficiary Designation and Change Form Enrollment and Change Form LTD Claim Packet Booklets Additional Life Employee Booklet Buy-up LTD Employee Booklet Certificates Life and AD&D Long Term Disability

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 form below to guide you in calculating the amount of Life insurance coverage you may need.


Immediate You Your Spouse
     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
     (unforeseen expenses)
Income Replacement
     Amount needed

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


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


Calculated Results

Life Insurance Needs Analysis You Your Spouse
Total needs
Total resources available
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 Montana University System Life insurance program, use the Premium Calculator.