Educational Resources
Use these free resources to organize your assumptions and better understand the questions involved in a life insurance decision. Results are educational starting points, not quotes or personalized recommendations.
Free Calculators
Each calculator answers a different life insurance planning question. You can see your result without providing contact information.
Overall Life Insurance Planning
Estimate how much life insurance your family may need based on income, mortgage and debts, future expenses, final expenses, existing coverage, and savings.
Best for someone trying to answer: “How much life insurance might my family need?”
Final Expense Planning
Estimate a Final Expense coverage amount based on funeral costs, final medical bills, debts, other expenses, money you would like to leave your family, and money you already have set aside.
Best for someone trying to answer: “How much Final Expense coverage might I want to consider?”
Business Protection Planning
Estimate the financial impact your business could face if an important owner, executive, employee, or revenue producer were suddenly gone.
Best for someone trying to answer: “How much Key Person Insurance might my business need?”
Rates & Comparison Tools
Explore real rate examples and compare how factors such as age, coverage amount, sex, underwriting, carrier, plan, and policy type can affect life insurance pricing.
Term Life Rate Explorer
Compare sample Term Life Insurance rates by age, coverage amount, term length, sex, and health class using real Transamerica Trendsetter Super rate examples.
Best for someone trying to answer: “What might Term Life Insurance cost for someone like me?”
Sample rates are for Florida nonsmokers and are provided for educational comparison only. Your actual rate depends on underwriting and current carrier availability.
Whole Life Rate Explorer
Explore exact sample Level Whole Life Insurance rates by age, coverage amount, sex, carrier, plan, and underwriting tier using returned rate examples from American Amicable, Corebridge Financial, and Transamerica.
Best for someone trying to answer: “What might Whole Life Insurance cost for someone like me?”
Sample rates are for Florida nonsmokers using Level simplified-issue Whole Life and Bank Draft/EFT. Actual eligibility and pricing depend on underwriting and current carrier availability.
Ready for Help?
If you have questions about your estimate or want help comparing life insurance options, you can schedule a time to talk or send Kirt a message.
No pressure. Ask questions, review your options, and decide what makes sense for you.
When You Want Help
Kirt Patel is an independent life insurance advisor and founder of Generis Organization. He can help determine which type of life insurance may fit your situation, compare options from multiple insurance companies, and explain the tradeoffs without pressure.
