About CoverCalc

CoverCalc is an independent, advertising-supported website. Coverage questions are high-stakes and easy to oversimplify. We build transparent needs and gap calculators plus sourced guides so you can sketch replacement income and debt coverage — then talk to a licensed agent with your own numbers. We do not sell insurance or generate carrier quotes.

What we publish

A DIME-style needs calculator, a term cost ballpark that uses rates you supply, a coverage gap tool versus existing policies, an income-replacement present-value sketch, and guides covering term basics, riders and common mistakes.

How we research

We cite NAIC consumer pages, state DOI education hubs and reputable editorial explainers. We never invent premiums, underwriting classes or carrier offers. Term cost tools require you to enter a rate. Every figure that comes from a third party is linked at the bottom of the page where it is used, and every page shows when it was last reviewed. If a carrier, retailer or organisation changes its published information, the official source wins over anything on this site.

How the tools work

All calculators run in your browser. Income, debt and coverage figures you type are not sent to our servers.

How we make money

CoverCalc shows advertising (Google AdSense) and does not accept payment from insurers, brokers, banks or any company in exchange for coverage in our guides. We do not sell leads, and we do not sell or recommend any specific insurance policy or financial product.

Corrections

If you spot an error, tell us through the contact page. We correct factual mistakes quickly and update the “last updated” date when we do.