How it works

1) Start with your situation

Not everyone needs life insurance. It becomes relevant when someone depends on you financially, or when your absence would create real pressure for others.

This page explains a simple decision path—without urgency, without product pushing, and without expecting you to “commit” to anything.

2) Get a rough sense of the numbers (optional)

If you’re unsure what “enough coverage” even means, start with a range. Most people do better with a ballpark estimate than with a precise number on day one.

The calculator on this site is an educational tool. It helps you think in context— it is not a quote tool.

3) Do a quick self-check before you decide anything

Numbers are only part of the story. The bigger question is whether life insurance fits your situation and your priorities right now.

The self-check is designed to help you think clearly through a few common scenarios. Many people stop there—and that’s completely fine.

4) Ask one question (if your situation is unique)

If your situation doesn’t fit a calculator or a checklist—health history, blended families, business obligations, immigration timelines, or anything else—don’t force it into a template.

You don’t need a full consultation to start. Ask one question. We’ll clarify what you’re trying to decide, and we’ll only go further if it’s useful to you.

5) Decide at your own pace

You’re not expected to decide anything here. The goal is clarity—not urgency.

If you’re not ready, you can pause. If you are ready, you’ll know what you’re asking for. Either outcome is reasonable.

No pressure. No instant quotes. You decide the pace.