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Find out how much coverage you need to help ensure your loved ones will be financially secure.
Get StartedTable of Contents
Take our quick 8-question assessment for an approximate coverage level you’d need to care for your loved ones and help meet your financial goals. To help get you started, we’ve already filled in some averages. If your situation is different, simply update the numbers to match to your life.
In addition to using our life insurance calculator, here are some tips to help you determine how much life insurance coverage is right for you and your loved ones:
If something happened to you, would the financial future of your loved ones be protected? Help ease your mind with coverage that you and your family can rely on.
Aflac can help you discover how much life insurance you need. We offer term life insurance and whole life insurance policies with the option to add on riders. Guaranteed-issue options are also available for select products, meaning no underwriting questions.
Start My QuoteHaving the right amount of life insurance will help give you peace of mind that your loved ones will be more financially secure.
We’ve tallied up your answers and here is how much life insurance we estimate you’ll need.
Life Insurance Estimate
Aflac Life Insurance can help take care of your loved one’s immediate and future financial needs following your death. Aflac’s Life Insurance policies offer more financial freedom for your family in their time of need.
Start My Quote Reset Results1Average American Income: $66,622. Reference: Sofi.com. Average US Salary by State. Published: Jan. 28, 2025. https://www.sofi.com/learn/content/average-salary-in-us/.
2Average age: 62. Reference: Nerdwallet.com - What Is the Average Retirement Age in the U.S.? Updated: Nov. 12, 2024. https://www.nerdwallet.com/article/investing/social-security/average-retirement-age-us.
3Average Household Debt: $105,056. Reference: Motley Fool Money - Average American Household Debt in 2025: Facts and Figures. Updated: Mar. 4 2025. https://www.fool.com/money/research/average-household-debt/.
4Average, tuition only: $46,440 (public four-year, in-state 4 years @ $11,610/yr). Reference: Business Insider - Average Cost of College Tuition Updated: Nov. 12, 2024. https://www.businessinsider.com/personal-finance/student-loans/average-college-tuition.
5Average: $8,000. Reference: Motley Fool Money - The Average Savings Account Balance. Updated: Feb. 11, 2025. https://www.fool.com/money/research/average-savings-account-balance/.
6Average: $145,827. Reference: Fidelity.com - How do your retirement savings stack up?. Published: Mar. 3, 2025. https://www.fidelity.com/learning-center/personal-finance/average-retirement-savings.
7 Average: $7,848. The Zebra - How much does a funeral cost? A complete breakdown. Updated: Apr. 19, 2025. https://www.thezebra.com/resources/personal-finance/how-much-does-a-funeral-cost/.
* Assumes the average cost of a gallon of gasoline is $3.35**. Comparison is based on the average weekly premium for Nebraska Payroll Premium rates industry Class A; Aflac Life Solutions WHOLE LIFE POLICY - Series A68100; Female non-smoker age 18-21. Premiums may vary by coverage type, account, state of issue, and the election of additional/optional benefits.
**Source: Bureau of Labor Statistics, February 2024.
Coverage may not be available in all states, including but not limited to DE, ID, NJ, NM, NY or VA. Benefits/premium rates may vary based on state and plan levels. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Receipt of accelerated death benefits may affect eligibility for public assistance programs. Benefits may also be taxable, and are not expected to receive the same favorable tax treatment as other types of accelerated death benefits that may be available. Refer to the exact policy and rider forms for benefit details, definitions, limitations, and exclusions.
Aflac life insurance coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac life insurance coverage is underwritten by American Family Life Assurance Company of New York.
Juvenile Whole & Term Life (B61000 Series): In Arkansas, Idaho, Oklahoma, Oregon, Pennsylvania, Texas, & Virginia, Policies: ICC18B61JWO & ICC18B61JTO. In Delaware, Policies B61JWO, B61JTO. These policies are not available in Delaware or New York.
Direct Whole & Term Life (B60000 Series): In Arkansas, Idaho, Oklahoma, Pennsylvania, Texas, & Virginia, Policies: ICC18B60C10, ICC18B60100, ICC18B60200, ICC18B60300, & ICC18B60400. These policies are not available in Delaware, Oregon, New York.
Whole and Term Life (68000 Series): In Arkansas, Idaho, Oklahoma, Oregon, Pennsylvania, Texas, & Virginia, Policies: ICC1368100, ICC1368200, ICC1368300, ICC1368400. In Delaware, Policies A68100-A68400. In New York, NY68100-NY68400.
Whole Life (Q60000 series): In Arkansas, Delaware & Oregon, Policy Q60100M. In Idaho Policy Q60100MID. In Oklahoma, Policy Q60100MOK. In Pennsylvania, Policy Q60100MPA. In Texas, Policy Q60100MTX. Not available in New York or Virginia.
Term Life (Q60000 Series): In Delaware, Policies Q60200M. In Arkansas, Idaho, Oklahoma, Oregon & Texas, Policies ICC18Q60200M, ICC18Q60300C, ICC18Q60400C. Not available in New York or Virginia.
Aflac WWHQ | 1932 Wynnton Road | Columbus, GA 31999
Aflac New York | 22 Corporate Woods Boulevard, Suite 2 | Albany, NY 12211
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