JobZakfFree life insurance tools
Ten original calculators built for clear answers. No sign-up, no data collected.
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.
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