Policyselect

Coverage tools

Three estimators to size up your coverage before you talk to anyone

Enter a few details, get an estimate with the assumptions shown. Nothing here is submitted anywhere — it all runs in your browser.

Term Life Need Estimator

A simple income-replacement model: how much term coverage would keep dependents financially steady if income stopped.

Assumptions & limitations

Dependent buffer assumes $25,000 per dependent for transition costs. This model does not account for inflation, future income growth, or existing employer coverage beyond what you enter. It is an educational estimate, not underwriting or financial advice.

Health Deductible Analyzer

Compare a lower-premium/higher-deductible plan against a higher-premium/lower-deductible plan against your own expected care level.

Clinician reviewing health coverage details

Assumptions & limitations

This model compares premium-plus-deductible-exposure only. It does not include coinsurance after the deductible, out-of-pocket maximums, or network differences — all of which can change the real total.

Property Risk Assessment

A relative risk tier from five common underwriting factors — useful for framing a conversation with an insurer, not replacing one.

Assumptions & limitations

This is a simplified, relative scoring model built from five factors for educational comparison only. It is not an underwriting decision, inspection, or guarantee of insurability or pricing from any insurer.

Want a second read on your numbers?

Bring any of the three results above to our support desk — we'll walk through what they mean for your situation.

Talk to the coverage desk