Life insurance
How much would your family need?
Know how much coverage is enough.
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Every Coverlee tool runs in your browser, shows the formula behind the number, and explains the result in plain language. Pick a topic or browse them all.
How much would your family need?
Your stuff, your liability, your rebuild cost
Your state minimum vs what you own
Calculate the taxable imputed income on employer group-term life insurance over $50,000, using the IRS Table 2-2 rates. Free, with a worked example.
How many years of term life insurance do you need? Match the term to your kids' ages and mortgage, and see when two layered policies make sense.
What would it cost to replace a stay-at-home parent's care? Add local childcare, transport and household help to size their life insurance.
Add up funeral, burial or cremation, medical bills, legal costs and debts, subtract what is set aside, and see how much final expense cover you need.
Estimate the actual cash value of a damaged item after depreciation, what an ACV policy would pay, and how much more replacement cost coverage pays.
See how much a home insurance claim pays if your dwelling limit is below 80% of replacement cost. Check the coinsurance penalty before a loss happens.
Estimate the cost to rebuild your home for dwelling coverage: square feet × local cost, plus soft costs, code upgrades and extended replacement cost.
Turn a percentage hurricane, wind or hail deductible into dollars. See what you would pay before insurance helps, and whether your savings cover it.
See how much of your home and belongings NFIP flood insurance can cover (up to $250,000 and $100,000) and the gap excess flood cover must fill.
Estimate how much additional living expenses (loss of use) coverage you would need if a fire or storm forced you out of your home, and check your limit.
How much umbrella insurance do you need? Compare your net worth and future income at risk with your auto and home liability limits, in $1 million steps.
Compare two deductibles: see the yearly premium saving, the break-even point in years, and which option costs less based on how often you expect to claim.
Should you drop collision and comprehensive on an older car? Compare the most you could collect with what you pay each year, in plain language.
If the at-fault driver's insurance runs out, how much would your underinsured motorist (UIM) coverage pay? Compare excess and reducing state rules.
Enter your ZIP, household and income to see your tax credit and the cheapest Bronze, Silver and Gold plans from HealthCare.gov data.
Yes. Every tool is free, needs no account and never asks for your name, email or phone number.
No. The calculators run in your browser with plain JavaScript. The one exception is the health plan checker, which sends only your ZIP code, ages and household income to the official HealthCare.gov Marketplace API through our server to fetch real plans; we do not store or log it.
Each tool uses a published formula or official rule, shows it under the result, and lists its sources with dates. Results are educational estimates, not quotes, underwriting decisions or advice.
Yes. On each tool page the address bar updates as you type, so you can copy the link to reproduce the same result, or print the page to save it as a PDF.
If someone depends on your income, start with the life insurance checker. If you rent or own a home, try the home and renters checker. If your car policy renews soon, check your auto liability limits.
The Coverlee Editorial Team. Formulas are unit tested, and our methodology page explains every default and threshold.