Explore Your Term Life Insurance Options

EQUITY FINANCIAL PROFESSIONALS

Protect what matters.

Estimate the term life insurance coverage that could help protect your family’s financial needs.

Start with your contact details

Enter all three fields to view your estimate and request a consultation. Your details and report are sent only when you give permission and select “Have Matthew shop my term life options.”

Your full name Your email Your phone

Your term quote profile

Age (last birthday) State of residence Sex used for insurance rating Your general health (self-assessment) This does not assign an insurer’s underwriting class. Tobacco or nicotine use

Availability and rating rules vary by insurer. Do not enter diagnoses or medical records here.

What would you want covered?

The starting amounts are examples. Replace them with your own figures and enter 0 for anything you do not need.

Annual income your family would need replaced ($) Use the amount your family would lose—not necessarily total household income. Avoid including costs you also add separately below. Years of income replacement Mortgage payoff amount ($) Leave mortgage payments out of the income amount if you include a full payoff here. Other debt to pay off ($) Credit cards, auto loans, and other obligations. Exclude the mortgage already listed. Children you want to help with college Enter 0 if this does not apply. Total college budget per child ($) Total budget across all college years per child—not an annual cost. Count only costs not already included elsewhere. Funeral and other final expenses ($) Other one-time family needs ($) For example, additional child care or a family transition fund, excluding costs already counted.

Resources already available

Existing life insurance available to your family ($) Only coverage you expect to remain in force. Employer coverage may end when employment ends. Savings or assets available for these needs ($) Do not count assets reserved for other goals, inaccessible funds, or home equity you do not intend to use. Term length you would like to explore A preference for discussion, not a recommendation or guarantee of availability.

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Date of birth Assumed underwriting class Your general health answer does not determine an insurer’s class. This is an assumption for comparison; only underwriting determines your actual class. Former nicotine users and significant health concerns need Matthew’s review.

Calculate your coverage needs first.

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Important disclosure — coverage estimate, not an insurance quote

This educational calculator estimates a potential additional death-benefit need. The needs calculation is educational. Optional service-returned premium ranges depend on your selected assumptions and do not guarantee eligibility or coverage, offer insurance, or bind a policy. Actual premiums, available terms, benefits, and eligibility depend on the insurer, state, age, health, tobacco use, underwriting, and policy terms. Coverage is effective only as specified by the issuing insurer and policy.

The calculation adds income replacement (annual income need multiplied by selected years), mortgage payoff, other debts, college budgets, final expenses, and other one-time needs, then subtracts existing life insurance and assets you identify as available. All amounts are in today’s dollars; no inflation, investment returns, discounting, income growth, future changes, taxes, or public benefits are modeled. Avoid counting the same expense twice. The optional rounded discussion amount rounds the calculated additional need up to the next $50,000; insurers’ available coverage amounts may differ.

Term life insurance covers a specified period under the policy terms. The selected term is only a preference and may not cover every need or be available to every applicant. A result of zero does not establish that you need no life insurance. Existing policies and employer coverage may have limitations or end before needed. Review coverage, beneficiaries, affordability, and the timing of each obligation with a licensed insurance professional. This is not individualized financial, tax, legal, or insurance advice. Do not cancel existing coverage based on this estimate.

Name, email, and phone are required to view the estimate. Entering them does not submit a lead. With your permission, selecting “Have Matthew shop my term life options” submits your contact details, entries, and results through this website’s native form to Equity Financial Professionals for follow-up, then redirects to Calendly after confirmation. When connected, the optional pricing section displays the lowest and highest matching monthly quotes returned by the rate service, not all market options. These conditional estimates are not approved rates. They can expire or change. Coverage, riders, conversion terms and other features may differ; a price range is not a product comparison or recommendation. No carrier names are displayed. Significant health concerns, former nicotine use, unavailable profiles and failed requests require personal review. No invented fallback prices are shown. The self-reported health selection is not an underwriting determination and does not guarantee acceptance. Your age, state, sex selection, general health self-assessment, and tobacco-use selection are included in the report only after you consent and submit. Do not enter Social Security numbers, account numbers, or medical information. Learn about life insurance from the NAIC.

Explore Your Term Life Insurance Options

Explore monthly pricing

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