Free Family Protection Check
Understand how much protection your family may need.
Answer a few questions about your household. We'll help you estimate whether your current coverage may be enough — and what options are available.
No pressure. No sales tactics. Educational information to help you make a more informed decision.
Tell us a bit about yourself.
We'll use this to send your results and connect you with coverage options in your area.
Tell us about your household.
These answers help us estimate what level of protection your family may need.
Question 1 of 6
What is your age range?
What is your marital status?
How many children do you have?
Include children under 18 or financially dependent on you.
Do you own your home?
What is your approximate annual household income?
Do you currently have life insurance?
Reviewing your answers
Calculating your protection gap score…
Family Protection Check
Your Family Protection Check Results
Protection Gap Score
What your answers suggest
Recommended protection level
Basic, Recommended, or Enhanced?
Based on your answers, here is the coverage level that may fit your household. Coverage, availability, and pricing vary by provider, plan, age, and health.
Basic
Foundational coverage
A starting point for individuals with fewer dependents or existing coverage already in place.
- Term life coverage for income replacement
- Lower premium cost relative to other options
- Good starting point for younger or single individuals
- Helps ensure final expenses are covered
Recommended
Balanced family protection
Designed for households with dependents, income to protect, and financial obligations to consider.
- Broader coverage for income and debt obligations
- Sized to support dependents through key milestones
- May include living benefits depending on policy type
- Appropriate for growing families and homeowners
Enhanced
Comprehensive household protection
For households with significant financial responsibilities, multiple dependents, or long-term wealth planning needs.
- Higher benefit amounts for full income replacement
- Covers mortgage, debt, education, and income gaps
- May include permanent coverage components
- Built for households with complex protection needs
Coverage details, pricing, and availability vary by provider, plan, age, health, and policy terms. These levels are a starting framework for education, not a guarantee of what any specific policy will include.
Want a more complete picture?
Help us understand your current protection.
Connecting your insurance information helps us understand what protections your household already has in place and provide more relevant guidance.
Life insurance coverage, pricing, and availability vary by provider, plan, age, health, and policy terms. This check is informational only and does not constitute insurance advice, a quote, or a guarantee of coverage.