Interactive tools

Three calculators, built to show their work

Enter your own figures. Each tool shows the assumptions behind its result and where those assumptions stop applying.

Σ

Term Life Need Estimator

A starting figure for how much term life coverage might replace your income and settle obligations, based only on what you enter.

Assumptions & limitations

Assumes income replacement is a flat multiple of years entered, with no inflation adjustment.
Does not account for taxes, investment growth, or future income changes.
Not a substitute for a licensed advisor's needs analysis.

⚕

Compares total yearly cost — premiums plus out-of-pocket spending up to the deductible — across two plans at the medical usage level you expect.

Assumptions & limitations

Uses a simplified model: yearly premium plus the lesser of expected expenses or the deductible.
Does not model coinsurance after the deductible, out-of-pocket maximums, or network differences.
Actual usage varies year to year — treat this as a planning estimate, not a forecast.

⌂

A transparent, weighted score reflecting how age, location, construction, and safety features combine into relative risk.

Assumptions & limitations

The score is a relative indicator built from fixed point weights, not an actuarial or underwriting model.
It does not reflect any specific insurer's rating criteria or pricing.
Use it to guide questions to ask an inspector or advisor, not as a final assessment.

Property age (years)

Location hazard level

Primary construction material

Safety features present

Smoke detectors Security system Fire extinguisher

The guides section breaks down deductibles, exclusions, and claims processes without the jargon.