How much life insurance
do you actually need?
Answer a few quick questions and get a personalized coverage recommendation — plus a free quote from KIV Insurance Consultants.
Tell us about yourself
Your age and income are the two biggest factors in determining how much coverage you need.
Used to calculate your age and estimate premium ranges.
Your total annual salary and/or earnings, before taxes.
Six things to consider
Get life insurance early
Premiums increase every year you age. Locking in a policy while you're younger can save thousands over the life of the policy.
Consider your health
Some carriers are more flexible for certain health conditions. We match you with the insurer that's most favorable for your profile.
Consider your lifestyle
Hobbies like skydiving or piloting can affect your rates. We'll help you find carriers with the best terms for your situation.
Plan for future expenses
Factor in future milestones — college, a new mortgage, or growing your family — when choosing your coverage amount and term.
Term vs. whole life
Term life is affordable and straightforward. Whole life builds cash value. The right choice depends on your goals and budget.
Compare carriers
Every factor is evaluated differently by each insurer. With 30+ carriers, KIV finds the best rate for your specific profile.