Life, disability, umbrella, health, and car insurance needs assessment tools. Browse our free insurance needs tools below — all calculators are instant, accurate, and require no sign-up.
Car Insurance Comparison Calculator — Free car insurance comparison calculator. Compare coverage levels, deductible trade-offs, and total annual costs to find the best auto insurance value for your situation.
Disability Insurance Needs Calculator — Free disability insurance needs calculator. Find your ideal monthly benefit, coverage gap, and learn the difference between own-occupation and any-occupation policies.
Health Insurance Comparison Calculator — Free health insurance comparison calculator. Compare HDHP, PPO, and HMO plans by total annual cost including premiums, deductibles, copays, coinsurance, and HSA benefits.
Life Insurance Needs Calculator — Free life insurance needs calculator using the DIME method. Calculate how much life insurance coverage your family needs for income replacement, debts, and education.
Umbrella Insurance Needs Calculator — Free umbrella insurance needs calculator. Determine how much excess liability coverage you need based on net worth, future earnings, and existing policy limits.