Change one input at a time
See which assumption moves the result most before you rely on it.
Insurance tools
Three estimators for clearer coverage decisions.
Enter your own assumptions and see how the numbers move. Every result is an illustrative estimate, not a quote or a guaranteed outcome.
Tool 1
Term Need Estimator
Estimates additional life coverage by adding income replacement, debts and future obligations, then subtracting savings and existing coverage.
Assumptions: no inflation, investment growth or taxes; income replaced for the number of years you enter.
Tool 2
Deductible Planner
Shows what you might pay out of pocket on a single illustrative claim and your combined premium-plus-claim cost for the year.
Effect of the deductible: you pay the deductible first; the insurer pays covered amounts above it, subject to policy terms.
Tool 3
Out-of-Pocket Maximum Calculator
Estimates cost-sharing for a plan year from eligible expenses, deductible progress, coinsurance and copays, capped at the plan's stated out-of-pocket maximum.
Important: premiums do not count toward the out-of-pocket maximum. Actual calculations depend on covered services, network rules, exclusions and cost-sharing terms.
Using the results
How to read an estimate responsibly
Check your real documents
Your policy or plan documents control what is actually covered.
Ask a licensed professional
For decisions specific to your situation, consult a qualified, licensed professional.