Free Life Insurance Calculator — Canada

Find out exactly how much coverage your family needs in just 2 minutes

Based on your income, mortgage, and family situation — personalized for Canadians

Personal Information

Financial Information

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How long should your family be financially protected?

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Family Information

Your information is private and will never be sold. We'll only use it to send you your results.

How Our Life Insurance Calculator Works

Our free calculator uses the same method licensed brokers use to estimate how much life insurance a Canadian family needs. It factors in your income, mortgage balance, number of children, existing coverage, and spouse income to give you a realistic recommendation — not a generic number.

What goes into the calculation?

  • Income replacement — enough to support your family for several years if you pass away
  • Mortgage payoff — so your family doesn't lose their home
  • Education fund — to cover your children's post-secondary costs
  • Final expenses — funeral costs and estate settlement fees

After you submit, you'll receive a free personalized report by email with your recommended coverage amount and estimated monthly premium. A licensed broker (Godwin Ogbomon) is available to answer any questions and help you find the right policy with no pressure.