Coverage Calculators
Quick, educational estimates. Nothing you enter here is stored or sent anywhere.
Life Insurance Coverage Calculator
How much coverage your family would need to replace your income and clear the mortgage. Formula: (income x years of coverage) + mortgage balance, minus existing savings.
Recommended coverage
$925,000
With a $50,000 education cushion per dependent: $1,025,000
Final Expense Cost Estimator
Estimated monthly premium range for a simplified issue whole life policy, based on typical 2026 carrier rates. Actual quotes vary by carrier, health, and gender.
Estimated monthly premium for $10,000
$52 to $74
Simplified issue estimate. Guaranteed issue policies typically run 25 to 50 percent higher and carry a 2 year graded benefit.
Medicare Savings Estimator
Compare what Original Medicare would leave you paying against a Medigap plan's typical premium. Uses the 2026 Part A deductible of $1,676 per benefit period and illustrative national average premiums.
The 20 percent of outpatient costs Medicare doesn't pay.
Gap costs without Medigap
$4,676
Plan G annual premium
$1,800
Estimated net savings
$2,876
Beyond the math, Medigap caps exposure in a bad year; Original Medicare alone has no out-of-pocket maximum.
Open Enrollment Countdown
Time remaining until the next enrollment windows open.
Medicare AEP begins (October 15)
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ACA Open Enrollment begins (November 1)
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Educational content only. Not insurance advice. Coverage and rates vary by state and carrier. Verify agent licensing at nipr.com. This content is for educational purposes only and does not constitute insurance advice. Coverage availability and rates vary by state. Consult a licensed insurance professional. Calculator outputs are simplified estimates for education only and are not quotes or offers of coverage.