Insurance tools with visible assumptions

Test how inputs change an estimate. Results are educational and neutral, never a quote or a guarantee.

Term life need estimator

Enter your figures and press Estimate to see a breakdown.

Assumes no inflation, investment growth or taxes, and ignores a partner's income. Not personal advice; does not indicate any premium or eligibility.

Health deductible analyzer

Plan A

Plan B

Fill in both plans and press Compare plans.

Assumes all care is in-network and covered, applies deductible then coinsurance up to the out-of-pocket max, and ignores copays, drug tiers and subsidies. Costs are modeled, not predicted.

Property risk assessment

Answer the eight questions and press Assess.

Simple equal-style scoring of self-reported answers, not a survey or underwriting model. It cannot predict losses, premiums or claim outcomes.