GSS Life Insurance Calculator™How much life insurance do you really need?
Find your estimated protection range in about 60 seconds, completely free.
Your income, mortgage, debts, family, future goals and existing coverage all matter. Get a personalized estimate, learn where your protection gaps may be, and decide whether a free review makes sense.
- Completely free
- No SSN required
- ~60 seconds
- AI-powered insight
- Human advisor available
- Educational estimate
Final coverage depends on individual circumstances, underwriting, carrier and state availability.
Four steps. No pressure.
You get your result before we ever ask for your email. That's the point.
Answer 10 simple questions
Income, family, debts, goals and what coverage you already have.
See your protection range
A realistic range plus your gap, no lead form standing in the way.
Understand your options
AI explains your snapshot in plain English and points you to education.
Talk to a human (optional)
Book a free 15-minute review with a licensed GSS advisor if it helps.
A layered calculation
Not just 'income × 10.' We layer income replacement, debts, future goals, then subtract the protection and assets you already have.
Run the calculatorNeutral education
Term, IUL, whole life, final expense and living benefits explained without pretending one product wins for everyone.
Open the education centerAsk GSS Life AI
Plain-English answers to your questions, no guarantees, no sales pitch, no jargon dumps.
Ask a questionProtect what you've built.
One calculation can start one important conversation.
This calculator provides an educational estimate based on the information you enter. It is not an insurance quote or recommendation and does not determine eligibility, underwriting, premium, policy performance or coverage availability. Actual insurance needs and options should be reviewed with a qualified licensed professional.