State of Nevada

Life Insurance Needs Estimator for Active Members


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 Group Life and AD&D 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 State of Nevada's Voluntary Life insurance program, use the Premium Calculator.



Learn more about Voluntary Life insurance

The decision support tool video below explains how your Voluntary Life with AD&D plan works and what you need to do to enroll.

Start DST Video
  • Tools to help you plan
Needs Estimator: Estimate how much life insurance you may need.

Premium Calculator: Determine the cost of your life insurance.