Guide
How much life insurance do you need?
A calculator and step-by-step reasoning: income years, debts, education, and existing coverage.
Most planners add up income, subtract what's saved or insured, and multiply by years needed. It won't be exact, and it doesn't need to be: term policies come in round numbers, and the goal is stability for the years that count.
Coverage estimate
Estimate = income × years + debts + education − savings and group insurance, rounded to the nearest $5,000. It is a starting point, not a recommendation.
Why those inputs
Income years. Most people choose 10 to 20 years. San Jacinto families with young children often lean toward the longer end because childcare, housing, and school costs happen at the same time.
Debts. A mortgage is usually the biggest. Coverage large enough to clear it lets survivors stay in the home without financial pressure.
Education. A rough allowance per child in today's dollars. Including it now saves you from buying extra insurance later.
What you have. Cash you could spend, and employer coverage. Group coverage usually ends when the job does, so many people count only part of it.
Once you have a target amount, the quote tool shows you what that amount costs for 10 to 30 years with each carrier. It's common to buy slightly more than your estimate because the monthly difference is small while you're young.