Tools
Updated July 21, 2026
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Free Tools & Calculators
Four quick, no-login tools to help you find the right coverage, the right amount, and your real rate — before you ever talk to anyone. No medical exam, and no health questions for guaranteed issue.
Buying life insurance should not feel like a guessing game. These tools answer the four questions people ask most — what will it cost, how much do I need, what does a funeral really run, and what will I qualify for — with real numbers, in a couple of minutes each.
The four tools
Which tool should I use?
It depends on the question you are trying to answer:
- “What will it cost me?” Start with the Rate Quoter for a real monthly price.
- “How much coverage do I actually need?” Use the Coverage Calculator, then check it against real funeral costs.
- “Is that coverage amount realistic?” The funeral cost estimator grounds your number in what services really cost near you.
- “Will I even qualify?” The Do I Qualify check points you to the cheapest option you can actually get.
What to do with your results
Every one of these tools points to the same next step: a real quote from a licensed independent broker. Your numbers give us a starting point, and from there I compare multiple carriers to find the coverage you qualify for at the best price — with no medical exam for guaranteed issue, and no fee to you.
Prefer to talk it through first? Reach out any time — no pressure, no runaround.
Quick answers
Do these tools cost anything or require an account?
No. Every tool is completely free, needs no login, and does not require any personal account. You can use them as many times as you like.
Will using the quoter affect my credit or my options?
No. Getting a quote is not an application and has no impact on your credit or your ability to get covered. It simply shows you real pricing.
Do I have to answer health questions?
For guaranteed issue coverage, no — acceptance is automatic. Level and simplified-issue policies ask a few health questions in exchange for lower rates. The Do I Qualify tool helps you see which path fits.
How accurate are the numbers?
They are solid estimates meant to orient you. Your exact rate depends on your age, state, gender, tobacco use, and coverage amount — which is why the final step is always a real quote.
Ready for a real number?
Get your actual rate in about 60 seconds — free, no exam, no obligation.
Get my free quote