Calculate Your Coverage Needs

You have a lot to cover.
So should your life insurance policy.

Life Insurance Calculator

Using your inputs, our Life Insurance Calculator can help you determine how much life insurance you may need. Answer two quick questions for us, then take a look at each category and tell us what you want covered.

We’ll provide you with an estimated life insurance premium that helps cover what you may see coming (and maybe a few things you don’t), and benefits you can adjust upwards or downwards as you see fit.

How much life insurance do I need?

It’s hard to figure out what you might need in the future, because, well, it's the future.

To get started, we need you to answer two quick questions. Once you've answered these questions, we'll move on to the next step, where, using the dollar amount that you input, we can help you determine the amount of life insurance coverage you may need.

Keep in mind this will only give you a ballpark estimate of life insurance rates for what your life insurance coverage need might be.



Need help figuring out what you need to cover? Download this handy checklist of potential obligations.

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10 Questions that will help you understand your life insurance needs

QUESTIONS
that will help you
understand your life
insurance needs




*Note: Premium is for Colony Term 20 and is guaranteed to remain level for 20 years. Premiums then increase annually, subject to maximums, until age 98 (95 in MD).

1 SallieMae: How America Pays for College, 2014

2 U.S. Department of Education, National Center for Education Statistics. (2013). Digest of Education Statistics, 2012 (NCES 2014-2015), Table 381.

Rate Disclaimer
The above premium estimate is based solely on the age and information you entered and is not guaranteed. Your actual premium may be the shown premium or may be higher depending on your health and family history as well as your current and past nicotine use. The above premium assumes you qualify for our best risk class, Preferred Best No Nicotine Use. The actual cost of purchasing life insurance may vary depending on the above factors as well as the actual life insurance policy selected at the time of purchase. It is possible that coverage will expire when either no premiums are paid following the initial premium or subsequent premiums are insufficient to continue coverage.

Product sales disclaimer
The Genworth companies wrote this to help you understand the ideas discussed. Examples are hypothetical and used only to help you understand the ideas. They may not reflect your particular circumstances. For full information about products' features, benefits and limitations read the policy.

Specific Product Disclaimer
Colony Term 10, 15 and 20 are term life insurance policies subject to Policy Form No. 1420 (96) et al. or Policy Form No. 1421 et al. (Genworth Life and Annuity Insurance Company) or Policy Form No. GE-1420 et al. (Genworth Life Insurance Company).

The name Colony used with life insurance products is a Genworth service mark.

Life insurance underwritten by:

Genworth Life and Annuity Insurance Company
Genworth Life Insurance Company, Richmond, VA


All guarantees are based on the claims-paying ability of the issuing insurance company.

If death-benefit guarantee is mentioned
*Death-benefit guarantee refers to a conditional guarantee that, if the conditions are met, can keep the policy in force even if policy values do not. Certain policy rights, if exercised, can end the guarantee.

Tax Disclaimer - only needed if tax information is discussed or referenced
Genworth wrote this content to help you understand the content and to support our marketing of the product(s) identified in the material. Any examples are hypothetical and are used only to help you understand the material. They may not reflect your particular circumstances. You should carefully read your contract, policy and prospectus(es), when applicable. What we say about legal or tax matters is our understanding of current law; but we are not offering legal or tax advice. Tax laws and IRS administrative positions may change. We did not write this material for you to use to avoid any Internal Revenue Service penalty. You should ask your independent tax and legal advisors for advice based on your particular circumstances.

Trade mark
©2015 Genworth Financial, Inc. All rights reserved. Genworth, Genworth Financial and the Genworth logo are registered service marks of Genworth Financial, Inc.

For page with rate estimate
The above premium estimate is based solely on the age and information you entered and is not guaranteed. Your actual premium may be the shown premium or may be higher depending on your health and family history as well as your current and past nicotine use. The above rate assumes you qualify for our best risk class, Preferred Best No Nicotine Use. The actual cost of purchasing life insurance may vary depending on the above factors as well as the actual life insurance policy selected at the time of purchase.

159111C 02/21/15