Your term should ideally last at least as long as the major financial responsibility you're trying to protect. Answer a few questions and we'll estimate the timeline worth reviewing.
Step 1 of 5Your timeline
Let's start with your age
We ask your age for context only. Your recommended term length will be based on the temporary responsibilities you want to protect — not simply how many years you have until retirement.
What does your mortgage timeline look like?
If you're buying later, we count the time until purchase as well as the mortgage amortization.
We don't round your need down. If 26 years remain, a 25-year term could end while the mortgage still exists, so a 30-year term is the next length worth reviewing.
Example: buying in 2 years + a 30-year amortization = roughly a 32-year protection window, so 35 years may be worth reviewing.
How long will children depend on you?
If you have children, your term may need to last through the years when they are financially dependent.
We use about age 25 as a planning point, not a rule.
How long would your family need your income?
We're only looking at how many years your household may still depend on the income you bring home.
Best-fit term length to review
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Your timelines
Why we rounded this way
Term length and coverage amount are different decisions
This calculator estimates how long temporary coverage may need to last. It does not determine how much life insurance you need.
Shorter option to compare—
For extra peace of mind—
Want an advisor to review the term with you?
We can look at the term length together with your coverage amount, budget and actual insurance options available to you.
This calculator is for general educational and planning purposes only. It does not provide an insurance recommendation or replace a complete needs analysis. Term availability, issue ages, renewal rules, conversion options and underwriting vary by insurer and product.
