Insurance Needs Calculator
Estimate only. Not financial, tax, or legal advice. Actual eligibility, pricing, and underwriting vary by insurer and health.
Step 1 — Protection Floor Inputs
Operational note: employer coverage often ends at retirement unless converted/ported. Confirm plan terms before treating it as long-term coverage.
Step 1–2 Results
Income bridge (to retirement)
$0
Protection floor (total)
$0
Existing coverage
$0
Coverage gap
$0
| Recommendation | Amount |
|---|---|
| Recommended coverage (min) | $0 |
| Recommended coverage (max) | $0 |
Step 3 — Strategy Levels
| Strategy | Suggested Permanent Range | Suggested Term Range | Illustrative Monthly Funding | Fit vs Floor |
|---|---|---|---|---|
| — | — | — | — | — |
| — | — | — | — | — |
| — | — | — | — | — |
Strategy bands are planning heuristics; underwriting, product choice, and premium funding capacity govern real-world outcomes.
Step 4 — Retirement Income Gap (Planning)
This module estimates a sustainable annual draw from investable assets (portfolio_balance × withdrawal_rate) and compares it to the target lifestyle income.
Retirement Income Results
Target annual lifestyle
$0
Estimated reliable income
$0
Estimated annual gap
$0
Capital implied (gap / 4%)
$0
“Capital implied” uses a simple 4% planning heuristic. It is not a promise; sequence-of-returns risk and taxes can materially change outcomes.
Step 5 — Custom Home Timeline (Tentative)
This timeline is a planning scaffold: concept → design → permits → build → move-in. Adjust based on local permitting, builder capacity, and financing.
Home Timeline Output
| Milestone | Target date | Notes |
|---|
Down payment progress assumes “Monthly savings for home” continues consistently. Funding gaps should be addressed before signing construction contracts.
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Saved Results
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Admins can export all results in WP Admin → Settings → Insurance Needs Calculator.