JobZakfKnow your family’s protection score in 60 seconds
Modern, animated life insurance tools and plain guides for readers in the US, UK, Canada and Australia.
Original tools
Legacy Gap Score Calculator
Get a 0–100 protection score showing how much of your family’s future income is actually covered.
Open tool →PriceTerm Premium Estimator
Estimate a monthly term life premium by age, smoker status, term length and cover amount.
Open tool →StrategyCoverage Ladder Planner
Split one big need into three stacked term policies and see the likely saving.
Open tool →PlanningPayout Drawdown Simulator
Simulate how long a lump-sum payout lasts when invested and drawn down with inflation.
Open tool →EstateFinal Expense Cover Planner
Estimate funeral, medical, legal and buffer costs so loved ones are not left paying.
Open tool →FamilyChild Education Cover Planner
Project future tuition with inflation to see how much cover would fund each child’s studies.
Open tool →CouplesDual-Income Cover Split Calculator
Split household cover between two partners by income share.
Open tool →ValueCoverage Leverage Calculator
See how much cover you get for every unit of premium paid over the term.
Open tool →IncomeIncome Replacement Cover Calculator
Calculate the present value of income your family would lose before retirement.
Open tool →DebtDebt Clearing Cover Calculator
Add mortgage, loans and cards plus a payment buffer to size cover that wipes out what you owe.
Open tool →Latest articles
Life Insurance Laddering: Stack Policies and Stop Overpaying
Laddering splits cover across several term policies so protection steps down as your obligations fall.
Read article →UnderwritingLife Insurance Medical Exam: What to Expect and How to Prepare
A practical walkthrough of the paramedical exam, what is measured, and how no-exam policies compare.
Read article →PriceSmoker vs Non-Smoker Life Insurance Rates: Why the Gap Is So Wide
Why nicotine can double or triple premiums and how long you must quit before rates improve.
Read article →BasicsHow Much Life Insurance Do You Need at Every Age?
A decade-by-decade guide to sizing cover in your 20s, 30s, 40s and 50s.
Read article →ClaimsHow Life Insurance Payouts Work: Claims, Timing and Tax Basics
From claim form to payout: what beneficiaries do, how long it takes and why tax rules differ by country.
Read article →UnderwritingSeven Life Insurance Application Mistakes That Can Delay a Claim
Common errors on applications, from hidden nicotine use to outdated beneficiaries, and how to avoid them.
Read article →Why trust JobZakf
We do not sell policies or collect your details. Every formula is shown on the page, and every article is written and reviewed by Zain Shah.