Insurance calculators

Estimate how much life insurance coverage your dependents might need, using a debt + income replacement method.

Estimate marketplace premium subsidy from income, FPL estimate, benchmark premium, and contribution rate.

Estimate monthly auto insurance premium from vehicle value, deductible, discounts, and risk factors.

Estimate home insurance premium from dwelling coverage, deductible, risk factors, and discounts.

Estimate disability insurance benefit gap from income, expenses, waiting period, and existing coverage.

Estimate umbrella liability coverage need from assets, future income exposure, and current limits.

Estimate long-term care coverage need from care costs, inflation, benefit period, and savings.

Estimate auto insurance premium from vehicle value, driver age, driving record, coverage level, and annual mileage.

Estimate pet insurance out-of-pocket cost from premium, deductible, reimbursement rate, and expected vet expenses.

Estimate travel insurance premium from trip cost, traveler age, trip length, and coverage type.

Estimate workers compensation premium from payroll, class code rate, and experience modifier.

Estimate fleet insurance premium from vehicle count, per-vehicle cost, and fleet discount.

Estimate E&O insurance premium from annual revenue, industry risk factor, and coverage limit.

Estimate key person life insurance coverage needed from replacement cost and lost contribution value.

Compare declining-balance mortgage protection insurance against level term life insurance cost.

Estimate critical illness insurance premium from lump-sum coverage, age, and health rating.

Estimate landlord insurance premium from property value, rental income, dwelling coverage, and liability limits.

Estimate motorcycle insurance premium from bike value, engine size, and rider experience.

Estimate total COBRA premium cost including the administrative fee after losing employer coverage.

Estimate BOP premium from property coverage, liability coverage, and business income coverage.

Estimate life insurance coverage need using the DIME method: debt, income replacement, mortgage, and education.

Estimate personal injury protection coverage gap from medical expenses, lost wages, and PIP limits.

Estimate potential savings from telematics-based insurance programs using driving score and mileage.

Estimate business interruption coverage needed from monthly revenue, fixed costs, and indemnity period.

Estimate boat insurance premium from vessel value, length, age, and navigation area.

Estimate RV insurance premium from vehicle value, usage type, and full-timer coverage needs.

Estimate HO-6 condo insurance premium from unit value, personal property, and loss assessment coverage.

Estimate short-term health insurance premium and coverage gap versus ACA marketplace plans.

Estimate supplemental insurance value against out-of-pocket gaps left by a primary health plan.

Estimate product liability insurance premium from annual sales, industry risk class, and coverage limit.

Estimate AD&D insurance premium and payout structure from coverage amount and rider selections.

Estimate D&O insurance premium from company revenue, industry risk, and coverage limit.

Estimate life insurance coverage need from income replacement, debt, education costs, assets, and dependents.

Estimate term insurance coverage and premium planning from term length, coverage amount, and risk assumptions.

Compare deductible choices by premium savings, claim probability, emergency cash, and expected annual cost.

Estimate healthcare cost sharing from allowed amount, deductible status, copay, coinsurance, and out-of-pocket limits.

Estimate HSA contribution room, tax savings, employer contribution, and family coverage limit.

Estimate flexible spending account election from expected medical costs, tax savings, and use-it-or-lose-it risk.

Estimate Medicare income-related monthly adjustment amount from MAGI, filing status, and premium year.

Estimate remaining healthcare exposure after deductible, copays, coinsurance, and plan maximum.

Estimate annual healthcare cost from premiums, expected visits, medications, deductible, and coinsurance.

Compare dental insurance value from premium, deductible, annual maximum, procedure coverage, and expected care.

Estimate Medigap premium trade-offs, deductible exposure, and annual out-of-pocket planning cost.

Estimate Medicare Advantage premium, copays, drug costs, and maximum out-of-pocket exposure.

Estimate term life premium and coverage gap from age, coverage amount, term, and risk assumptions.

Estimate whole life premium, cash value growth, death benefit, and long-term policy cost.

Estimate renters insurance coverage need from personal property, liability, deductible, and risk factors.

Estimate small business insurance premium from revenue, payroll, property, liability, and risk class.

Estimate general liability insurance cost from revenue, payroll, coverage limit, and industry risk.

Estimate errors and omissions coverage cost from revenue, claim risk, deductible, and limit.

Estimate malpractice premium from specialty risk, coverage limit, deductible, and claim history.

Estimate cyber insurance premium and breach exposure from revenue, records, deductible, and risk controls.

Estimate flood insurance premium from property value, flood zone risk, deductible, and coverage amount.

Estimate auto loan gap exposure when vehicle value is lower than the remaining loan balance.

Estimate staggered term life coverage layers, premium savings, and declining coverage need.

Estimate deductible exposure, coinsurance, premium trade-off, and out-of-pocket risk.

Estimate HSA tax savings, investment growth, contribution limit impact, and medical reserve value.

Compare deductible choices by premium savings, break-even claims, and cash reserve need.

Compare homeowners deductible choices by premium savings, claim exposure, and risk reserve.

Estimate protection gap across assets, liabilities, income exposure, and existing policies.

Estimate health-insurance gap exposure for students or fellows from premium, deductible, stipend, and subsidy.

Estimate fieldwork insurance exposure from trip duration, equipment value, medical risk, and evacuation cover.

Estimate insurance coverage need for lab, field, or imaging equipment from value and replacement risk.

Estimate renters coverage gap for student housing from electronics, instruments, books, and liability.