Calculators & Worksheets
Use these educational tools to turn insurance concepts into information that is more meaningful to you. Calculators and worksheets can help you estimate needs, organize priorities, and prepare for a more productive conversation about your life insurance options.
These tools provide estimates and educational guidance—not insurance recommendations or guarantees.
Calculators
Human Life Value Calculator
Estimate the economic value of your future income and financial contribution to the people who depend on you. The Human Life Value Calculator provides a starting point for thinking about how much financial protection may be appropriate.
Worksheets
Use practical worksheets to organize information, identify questions, and prepare for important insurance conversations.
Life Insurance Preparation Worksheet
Organize income, debts, family responsibilities, existing coverage, and financial priorities before discussing life insurance.
Employer vs. Individual Coverage Worksheet
Review coverage provided through work and identify questions about ownership, portability, benefit amounts, and what may happen when employment changes.
Policy Review Worksheet
Review beneficiaries, coverage amounts, policy ownership, major life changes, and whether existing protection still reflects your current needs.
A Tool Is a Starting Point
A calculator or worksheet can help organize information, but it cannot account for every financial objective, underwriting consideration, policy feature, or family circumstance. Use these resources to identify questions and better understand your needs before making an insurance decision.
Not Sure What the Numbers Mean?
Insurance planning involves more than arriving at a number. If you'd like help understanding your results or how they relate to your individual circumstances, Dan Prescott Agency can help you evaluate the next step.
Calculators and worksheets provided through the Learning Center are for general educational purposes only. Results are estimates and are not intended as legal, tax, financial, or individualized insurance advice. Actual insurance needs, product availability, underwriting requirements, costs, benefits, and policy provisions vary by individual, insurer, product, and jurisdiction.