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How much life insurance do you actually need?

Not a product pitch — arithmetic. What your family would need to stay whole, minus what you already have. The honest number, instantly.

Your inputs

$
15
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$
$
$
$
$
Estimated coverage gap
$—
additional coverage your family would need
Total need
$—
policies are typically sold in round amounts — a starting point for the conversation, not a quote
Where the need comes from — and what's already covered
The right amount matters more than the product.

Term or permanent, laddered or level, through work or on your own — and whether you're carrying too much as well as too little. As fiduciaries, we'll tell you the amount your plan actually calls for, even when the answer is "less."

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HOW IT WORKS & IMPORTANT INFORMATION: The estimate totals your chosen years of income replacement plus the balances you want retired at death (mortgage, other debts, education funding, final expenses), then subtracts existing life insurance and savings your family could draw on. It intentionally uses simple arithmetic: investment growth on the proceeds and inflation in your family's costs roughly work against each other, so no discounting is applied. This simplified educational tool is not financial, insurance, legal, or tax advice; it is not an offer, quote, or illustration of any policy, and no insurance product is being recommended. Actual needs depend on survivor income, Social Security benefits, taxes, and family circumstances; insurability and pricing depend on underwriting. Mountain View Wealth Management, LLC is an investment adviser, not an insurance company; insurance recommendations, where made, are offered only through appropriately licensed individuals. 2611 S Clark St., Suite 600, Arlington, VA 22202 · (571) 368-6178. © 2026 Mountain View Wealth Management, LLC.