Estimated Coverage Needs
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    Life Wizard

    In just 3 minutes you can:

    • Assess:

      Do I need life insurance?

    • Estimate:

      How much do I need?

    • Quote/Apply Now:

      How much can it cost me?

    340872

  • Do I need life insurance?

    Think about the people in your life.
    If anyone you love would suffer financially when you pass, life insurance could help them.

  • Family

    Select all that apply

  • Finances

    Select all that apply

  • Career

    Select all that apply

  • Health

    Select all that apply

  • How much life Insurance do I need?

    We will help you calculate how much money your loved ones might need if something unexpected happens to you.

  • My Situation

    $
    Your total annual compensation. Include before-tax salary, any expected bonuses, and value of employee benefits provided by employer.
    Use format: mm/dd/yyyy. Available only to people age 20-75.
    Age at which you plan to stop working. Must be higher than current age.
  • Responsibilities

    $
    Include these balances: Mortgage; credit cards; auto, home equity or student loans; any other debts you would like paid off upon your death.
    $
    Education savings goals minus amount you have set aside for these goals.
    $
    Combined total of other expenses such as estate taxes, probated costs, legal fees, executor fees. Also consider federal, state and local taxes your estate may owe on personal property or real estate.
    $
    Include unpaid funeral expenses and foreseeable medical expenses not covered by health insurance that you may incur in your final days. Default value provided is not a suggestion; adjust to your situation for more accurate estimate.
  • Assets

    $
    Include group insurance through your employer and all coverage you have purchased on your own. Default value provided is not a suggestion; adjust to your situation for more accurate estimate.
    $
    Cash on hand plus assets easily converted to cash, such as savings, checking and money market accounts, and short term CDs. Default value provided is not a suggestion; adjust to your situation for more accurate estimate.
  • Assumptions

    We have assumed that you want to protect your full earnings potential - from now until you plan to stop working. You may want to adjust this assumption, if special circumstances will lengthen (or shorten) this period. Default value provided is not a suggestion; adjust to your situation for more accurate estimate.
    %
    We have made an assumption about your tax rate based on your gross income. If this is not your tax rate, it is important that you adjust it as needed. Default value provided is not a suggestion; adjust to your situation for more accurate estimate.
    %
    If your objective is to help your survivors maintain their current standard of living after your death, use a wage growth amount that is equal to the long-term outlook on inflation. Default value provided is not a suggestion; adjust to your situation for more accurate estimate.
    %
    In general, your family will need about 85% of total family income to maintain their current standard of living. However based on your circumstances, you may want to increase or decrease this percentage. Default value provided is not a suggestion; adjust to your situation for more accurate estimate.
    %
    For our calculation, we assume policy death benefits will be invested and used to replace your income after your death. Enter the after-tax rate of return that your survivors might expect to earn on the invested life insurance proceeds. A conservative assumption is 4% to 6%. Keep in mind that the potential for higher returns comes with increased risk. It is possible to lose money when investing. Default value provided is not a suggestion; adjust to your situation for more accurate estimate.
  • How much can level term insurance cost me?

    With TIAA-CREF Life Insurance Company (TIAA Life), your eligibility and cost depends on these and other factors: Gender (except Montana), health, age, lifestyle, policy duration and amount of coverage.

  • Tell us about your nicotine use (select one): Includes cigarettes, cigars, electronic cigarettes (with nicotine), chewing tobacco, nicotine gum, nicotine patches, pipes, hookah, bidis, and betel nut.

    Select all that apply

  • Congratulations! Here is your quote.

    Estimate only. Your eligibility and actual cost will be determined when underwriting is completed.

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    *Estimated monthly cost

    Important : Confirm all information below is accurate. Click any item to edit, if needed.

    Apply Now Update Quote

    *Your quote is for the rating class: Preferred Plus - Optimal health, low cholesterol levels, low-risk lifestyle. *Your quote is for the rating class: Preferred - Above average health, low cholesterol levels, low-risk lifestyle. *Your quote is for the rating class: Select - Good health, average cholesterol levels, low-risk lifestyle. *Your quote is for the rating class: Standard - Good health, average cholesterol levels, low-risk lifestyle, recent nicotine use.

    * By clicking the "Apply Now" button I agree that all information above is true and accurate. Further, I authorize TIAA-CREF Life Insurance Company to process my application for life insurance.