寿险需求计算器
评估您所需的人寿保险保额，综合考虑收入替代、债务清偿、子女教育和家庭生活费用等因素。
Total Coverage Needed
$1,050,000
Total Coverage Needed vs Years of Income to Replace
公式
How to Calculate Life Insurance Needs
The income-replacement method adds up:
1. Income replacement: Annual salary multiplied by the number of years your dependents need support 2. Debt payoff: Mortgage, car loans, credit cards, student loans 3. Future obligations: College tuition, childcare, funeral costs
Subtract any existing coverage to find your gap.
Rule of Thumb
Many advisors suggest 10-12 times your annual income, but a detailed calculation is more accurate.
计算示例
$75,000 income, 10-year replacement, $200,000 debt, $100,000 future expenses, no existing coverage.
- 01Income replacement = $75,000 x 10 = $750,000
- 02Add debts = $750,000 + $200,000 = $950,000
- 03Add future expenses = $950,000 + $100,000 = $1,050,000
- 04Subtract existing coverage ($0) = $1,050,000 needed
常见问题
How much life insurance do I need?
A common guideline is 10-12 times your annual income, but the best approach factors in your specific debts, number of dependents, future obligations like college, and existing savings or coverage.
What is the difference between term and whole life?
Term life covers a specific period (10-30 years) at lower cost. Whole life covers your entire life and builds cash value but costs 5-15 times more. Most families are better served by term life.
Do I still need life insurance if I have no dependents?
If nobody depends on your income, you may only need enough to cover final expenses and outstanding debts. Once those are handled, life insurance may be optional.
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