Finding the right coverage and price shouldn’t be guesswork. Our Life Insurance Calculator makes it simple to compare options in minutes. At Diversified Insurance Brokers, we’ve helped thousands of families and business owners secure protection that fits their needs and budget. With access to 100+ top-rated carriers and decades of underwriting experience (including hard-to-place cases), we can guide you from quick quotes to confident decisions.

Get Your Instant Life Insurance Quote

What The Life Insurance Calculator Shows

• Real quotes in minutes: Compare rates across multiple top carriers without sales pressure.
• Coverage choices: Term (10/15/20/30 years), Whole Life, and Guaranteed Universal Life (GUL).
• Face amounts & riders: Customize coverage amounts and explore riders like waiver of premium or child term.
• Health class estimates: See how health factors can affect pricing and eligibility.

Who This Is A Good Fit For

• Families replacing income, paying off a mortgage, or funding college plans.
• Business owners needing key person, buy-sell, or collateral assignment coverage.
• Individuals 50+ seeking permanent protection or final-expense plans.
• People with medical histories (diabetes, cardiac events, etc.) who need expert underwriting guidance.

Why Use An Independent Broker

• 100+ carriers, one place: We shop the market so you don’t have to.
• Underwriting advocacy: We position your application with carriers most likely to approve at the best class.
• No pressure: Clear comparisons, plain-English explanations, and policies that match your goals.
• Start fast, finish right: From instant quote to application and policy delivery—streamlined and supported.

Example Scenarios (Illustrative)

• Age 35, non-smoker: $500,000 20-year term can be surprisingly affordable when health is good.
• Age 52, Type 2 diabetes (well-managed): $250,000 15-year term often approved with competitive rates when A1C is controlled.
• Age 60: $50,000 whole life can lock in lifetime coverage with level premiums and cash value.

Tips For Using The Calculator

• Match the term length to your biggest obligations (mortgage/years to retirement).
• Choose a coverage amount that replaces income (e.g., 10–15× annual income) and pays off key debts.
• Run a second quote with a slightly different health class to see pricing sensitivity.
• Add riders only if they provide value for your situation—keep premiums focused on core protection.

Next Step

Use the calculator above to see your numbers instantly. When you’re ready, we’ll confirm underwriting details, compare top carriers side-by-side, and help you finalize the policy that gives you the right protection at the right price.