Guide
How much life insurance do you need?
Use our calculator to estimate: the income years your dependents would need, debts you want covered, schooling costs, and what you have now.
A common approach is to total the years of income your family would need, add any large debts, subtract any savings or existing coverage, and round to a convenient number. Precision isn't the goal—the goal is having enough to sustain them during the years when they depend on that income.
Coverage estimate
Starting point = (income × years) + major debts + education costs − existing savings and group coverage, then round to a $5,000 increment. This is a rough guide, not financial advice.
Why those inputs
Income years. Most planners suggest 10 to 20 years of replacement income. The right duration for your family depends on when dependents become self-supporting. Jurupa Valley families with young children frequently pick toward the upper end because childcare, housing, and education costs overlap during those years.
Debts. A mortgage is typically the biggest one. If your heirs had enough to pay it off, they could choose to keep the home instead of being forced to sell it.
Education. Set aside a rough figure per child in today's money. Adding it to your initial policy is simpler than taking out a second one later.
What you have. Savings you could use, and group life coverage from your employer. Group coverage stops when employment ends, so many only count part of it toward their total.
Once you have a target amount, our quote tool shows the monthly cost for 10, 15, 20, 25, or 30 years from each carrier. Many people find a higher amount is affordable, especially at younger ages where the extra monthly cost is modest.