The model
Keep every assumption visible
Estimate an illustrative protection gap from income replacement, debt, and current savings. Change one input at a time to understand sensitivity. This page is educational and does not provide a recommendation, forecast, quote, eligibility decision, or individualized advice.
Method and privacy
Calculated locally in your browser
The inputs are processed on this page and are not sent to LikeOptions or saved by default. Actual outcomes can differ because of taxes, fees, inflation, timing, market conditions, policy rules, and personal circumstances.
Frequently asked
Insurance Needs Calculator — LikeOptions questions
Are the results guaranteed?+
No. They are mathematical illustrations based on entered assumptions.
Does this replace professional advice?+
No. Consider qualified professional and jurisdiction-specific guidance for consequential decisions.