Term Life Coverage Advisor

How should you cover the people who depend on your income? Approaches ranked for your household — sized honestly, without the sales pitch.

Educational tool, not insurance or financial advice. Quotes and underwriting are individual — compare real quotes from an independent broker or direct term marketplaces before deciding, and never cancel existing coverage until replacement coverage is in force.

Your householdresults update live — no account needed, no AI

Who depends on your income?How long would they need support?Savings & assets vs what they’d needIn your own words (optional)Recognized signals become chips — click each one to set how much it counts.

Try an example:

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What you have

0/3

Household earningCoverage through work today

Big fixed obligations (mortgage, loans)?

Pricing reality

0/2

Health & lifestyle for underwritingPremium budget feel

Ranking confidence Early read (24%) · Answer next: Who depends on your income?, support horizon, health picture

How these results work

Each approach carries curated 0–100 scores on need coverage, premium efficiency, flexibility, and ease — your answers reshape them, and each card shows exactly which answers moved it.

The output is a quote-shopping agenda, not an insurance decision: real prices come from underwriting, so the next step for any top-ranked approach is comparable quotes from an independent broker or direct marketplace.

Scores are computed instantly in your browser. Your answers are saved to your account only if you sign in; otherwise they stay on this device.

Scores start neutral — answer anything on the left and the list below re-ranks instantly.

Researched context is coming

This ranking is mechanical and instant. A research layer is planned on top: real quote ranges for your age band and health picture, carrier ratings, and a sized coverage number built from your actual obligations.

Size my number

Income-years + mortgage + college, minus assets

Ballpark my premium

Quote ranges for your age and health band

Prep the application

What underwriting asks and how to not get repriced

Planned — the instant ranking above never waits on it. Tell us which research you’d want first.

Educational only — not insurance, investment, or financial advice, and not an offer or quote. Premiums shown are typical ranges; underwriting is individual. Never cancel existing coverage before replacement is in force. Scores are computed in your browser; answers are saved to your account only if you sign in.