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Estimate insurance premiums in seconds — home, life, car, renters, gap, SR-22, umbrella and health plan comparisons. Built on publicly available actuarial factors and industry data — runs in your browser so your numbers stay private.
- Home Insurance CalculatorFree home insurance calculator. Estimate your homeowners insurance premium based on home value, construction type, age, location risk and deductible. Runs in your browser — nothing is uploaded.
- Life Insurance Premium CalculatorFree life insurance calculator. Estimate term life, whole life, and indexed universal life (IUL) premiums based on age, health class, smoker status and coverage amount. Runs in your browser — nothing uploaded.
- Whole Life Insurance CalculatorFree whole life insurance calculator. Estimate permanent life insurance premiums and projected cash value at 10 and 20 years based on age, health class, coverage amount, and smoker status. Runs in your browser — nothing uploaded.
- IUL CalculatorFree indexed universal life insurance (IUL) calculator. Estimate your cost of insurance, monthly savings component, and projected account values at 10 and 20 years across pessimistic, moderate, and optimistic index crediting scenarios.
- Car Insurance Premium CalculatorFree car insurance calculator. Estimate your auto insurance annual premium based on driver age group, driving record, coverage type, vehicle value and annual mileage.
- Deductible Tradeoff CalculatorFree deductible tradeoff calculator. See how long it takes the premium savings from a higher deductible to pay back the extra out-of-pocket risk, with claim-frequency sensitivity.
- Renters Insurance Cost CalculatorFree renters insurance calculator. Estimate renters insurance cost from your personal property coverage limit, inventory value, liability limit, cost tier and deductible. Runs in your browser — nothing is uploaded.
- Gap Insurance CalculatorFree gap insurance calculator. Compare your negative-equity exposure against gap premium bands to see whether gap coverage is worth it on your auto loan.
- SR-22 Cost CalculatorFree SR-22 calculator. Estimate the filing fee band, the premium surcharge band versus a clean base policy and lapse reinstatement costs. Educational estimates — not a quote.
- Umbrella Policy CalculatorFree umbrella policy calculator. See how much liability remains uncovered after your auto and home limits, and get an umbrella coverage band recommendation.
- Health Plan OOP ComparisonFree health plan comparison calculator. Compare two plans by annual premium plus out-of-pocket max to find which plan costs less at your expected usage level.
- COBRA Cost CalculatorFree COBRA cost calculator. Enter your employee and employer premiums to see your monthly COBRA payment, the 2% admin fee, and total cost for up to 36 months. 2025 rules — runs in your browser.
- Health Insurance Cost CalculatorFree health insurance cost estimator. Enter your age, plan tier, and coverage type to see your estimated monthly premium with a full line-by-line factor breakdown — age rating, region, and tobacco surcharge. 2025 ACA benchmark data.
- HSA Contribution CalculatorFree HSA contribution calculator for 2025. See your IRS limit, federal and state tax savings, FICA savings from payroll deduction, net out-of-pocket cost, and projected balance with compound growth. Uses 2025 IRS limits: $4,300 self-only, $8,550 family.