LifeCover: Life Insurance

Find out how much life insurance your family really needs in 2 minutes — planner-grade math, not a rule of thumb. Private, free, no sign-up. Then book a free review.

How much life insurance does your family actually need? LifeCover gives you a clear, personalized answer in about two minutes — with no agent, no sign-up, and no data leaving your phone.

Most rules of thumb ("just buy 10x your income") are guesses. LifeCover sizes your coverage the way a financial planner does: it calculates the lump sum your family could invest, conservatively, to replace your paycheck — rising with inflation — for exactly as long as they'd depend on it.

WHAT IT DOES • Replace your income — enter your income and how long it's needed (until the kids are grown, until your spouse retires, or a set number of years). We solve for the death benefit that pays that income every year and lasts the full period. • Pay off the mortgage and debts — clear the home loan, cards, auto, and student loans so they don't fall on your family. • Fund your kids' education — set aside college costs per child. • Cover final expenses — funeral and uncovered medical bills. • Already covered? Subtract existing policies and savings to see the real gap — the new coverage you actually need to buy. • See it work — a year-by-year schedule shows exactly how the benefit pays the income and depletes on schedule.

WHY IT'S DIFFERENT • Planner-grade math (present value of an inflation-protected income stream), not a one-size multiplier. • You choose what to protect — your number reflects your goals, not a generic formula. • Adjust every assumption: investment return, inflation, and how much of your income to replace.

PRIVATE BY DESIGN Everything you enter stays on your device. No accounts, no tracking, no data collection.

TALK TO A HUMAN — FREE When you're ready to put a policy in place, book a free, no-obligation coverage review with a Freedom Financial Planners advisor, right from the app.

IMPORTANT LifeCover provides educational estimates only and is not insurance, financial, tax, or legal advice, and not an insurance quote. Coverage you can buy and its cost depend on underwriting. Consult a licensed professional before making decisions.