Zac Smith Insurance — Family Protection Calculator
Question 1 of 714%
60 Seconds That Could Save Your Family
If something happened to you tonight, would your family actually be okay?
Most parents think they have enough life insurance. Almost none do. Take 60 seconds to find out exactly how much your family would need to keep the home, pay the bills, and protect the kids' future — before "someday" becomes today.
1 in 3
U.S. families would face financial hardship within a month of a primary earner's death
102M
Americans say they need life insurance — or more of it — but don't have it
40%
would feel financial impact within 6 months — most have no plan
Takes 60 seconds
No spam, no sales pitch
100% free, instant results
Income · Step 1
What's your annual household income?
This is the foundation of how much your family would need to replace.
$75,000
per year
$25K$500K+
Time Horizon · Step 2
How many years would your family need that income?
Enough time for kids to finish school? For a partner to rebuild? Pick what feels honest.
The Home · Step 3
What's your current mortgage balance?
If something happened, could your family stay in the home? This makes sure they can.
$250,000
remaining balance
$0 (paid off)$1M+
Outstanding Debts · Step 4
Roughly how much other debt do you carry?
Think credit cards, car loans, student loans, business debts — anything that wouldn't disappear with you.
$25,000
total non-mortgage debt
$0$250K+
The Kids · Step 5
How many children are you protecting?
Include any children you support — biological, adopted, step, or planned for.
Their Future · Step 6
How much would you want to leave per child?
College, a first home, or a foundation to build their life on. Whatever feels right.
Monthly Reality · Step 7
What does your family spend each month?
All in — groceries, utilities, gas, insurance, the everyday stuff that keeps life running.
$5,000
per month
$1K$20K+
✓ Calculation Complete
Your Estimated Life Insurance Need
$0
in total coverage
Based on your income, mortgage, debts, children, and monthly household expenses, this estimate is designed to help your family maintain financial stability, stay in the home, cover everyday bills, and protect your children's future if something unexpected happens.
This is only a simple estimate. A licensed life insurance professional can help you review your options and find coverage that fits your family, budget, and long-term goals.
Want to know what this could actually look like for your family?
A free consultation can help you understand your options, compare coverage types, and find a plan that protects your family without overcomplicating the process.
Your Profile
Family Foundation
Your Estimated Coverage Need
$0
in total life insurance protection
Based on your income, mortgage, debts, children, and monthly household expenses, this estimate is designed to help your family maintain financial stability, stay in the home, cover everyday bills, and protect your children's future if something unexpected happens.
What we recommend reviewing in your free consultation
Let's turn this number into a real plan.
Hop on a free 15-minute call with Zac. No pressure, no pitch — just a clear-eyed look at what coverage actually fits your family and budget.