Larson Financial Holdings

Life Insurance Needs Calculator

Find out how much coverage your family actually needs.

Income & family

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$

Debts & obligations

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$
$
$

Existing assets

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$

Your coverage outlook

Coverage gap
—
additional coverage needed
Total need
—
estimated total
Already covered
—
insurance + assets
How we calculated your need
Income replacement—
Mortgage payoff—
Other debts—
College funding—
Final expenses—
Less: existing insurance & assets—
Estimated coverage gap—

Talk to a Larson advisor about your coverage gap

Get a personalized insurance strategy that fits your family’s needs and long-term goals.

This calculator provides estimates for illustrative and educational purposes only and does not constitute financial, insurance, tax, or investment advice, nor a recommendation or offer to purchase any insurance product. Results are hypothetical, based on simplified assumptions and user-provided information, and are not tailored to your complete financial situation. Actual insurance needs and outcomes will vary based on individual circumstances, market conditions, and product-specific terms. This tool is not an insurance policy illustration and does not represent any specific product, pricing, or guarantees. We do not warrant the accuracy or completeness of the results. Use of this calculator does not establish a client relationship with Larson Financial Securities, LLC or its affiliates. Please consult a qualified financial professional before making any insurance or financial decisions. Insurance products and availability may vary by state.