Globe Integrity's Insurance Calculator

In three simple steps we will establish your coverage need, determine the best product for you, and get you started on a plan.

1
Personal Details

Date of Birth

Age is a big factor in what life insurance products are a good fit for you and how much they will cost.

Date Of Birth

Gender

Insurance carriers have different cost models for men and women so it's helpful for us to know this.

Gender
Gender

Zip Code

Life insurance is regulated at the state level, so different products may be available to you depending on where you live.

Zip Code
2
Coverage Need

Marital status

This helps us figure out who will need financial support if you were to pass away.

Marital status
Marital status

Number of Children Under 18

If you've got kids, it's wise to ensure you have enough income replacement and college expenses factored into your coverage amount.

Number of Children Under 18
Children

Your Annual Income

This helps us know how much income will need to be replaced if you were to pass away.

Your Annual Income

Existing Life Insurance Coverage

Include any existing life insurance coverage you have purchased for yourself.

Existing Life Insurance Coverage

Total Savings + Liquid Assets

This is all the money you have in cash, savings, checking, or securities that you could access immediately if needed.

Total Savings + Liquid Assets

Total Retirement Savings

This is all the money you have set aside specifically for retirement. Hopefully this is mostly in a 401(k), IRA, Roth IRA, or some other tax-deferred or tax-advantaged account.

Total Retirement Savings
3
Product Fit Assessment

Risk Tolerance

Be honest here. High risk tolerance means you are comfortable with potentially losing money on an investment.

Risk Tolerance
Choose

Years Before You Will Use Your Cash Value

This is all the money you have set aside specifically for retirement. Hopefully this is mostly in a 401(k), IRA, Roth IRA, or some other tax-deferred or tax-advantaged account.

Years Before You Will Use Your Cash Value

Your Total Coverage Need

To see your result, please answer questions to the left.

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Permanent Coverage to Start With

To see your result, please answer questions to the left.

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policy type

POLICY TYPE

Some policy are first and foremost a way to protect your loved ones when you pass away. Some policy types also offer you a chance to build tax-efficient wealth that can be used while you’re alive. These elements of protection and tax-efficient wealth building are a great place to start when comparing products. Because they are very distinct functions, we will approach each element separately.

Which policy type should you consider?

To see your result, please answer questions to the left.

Progress Until Answer

© 2021 by Globe Integrity. All rights reserved. Globe Integrity operates in California as Globe Integrity Life Insurance Services (CA license # 6004158).

This webpage is for educational purposes only, and is not a recommendation to purchase, sell, hold, or roll over any asset and does not account for any investment, tax, or financial condition of any specific person.

It is possible that coverage will terminate when either no premiums are paid following the initial premium, or subsequent premiums are insufficient to continue coverage.

Variable Universal Life (VUL) policies are a combination of life insurance and a security that requires Securities and Exchange Commission registration. Actual performance of a VUL policy is dependent on the performance of the underlying investment. VUL policies can be negatively impacted by the performance of the underlying investment options, inadequate funding, and increasing cost of insurance rates. There is no guaranteed rate of interest.

Accessing policy cash value through loans and surrenders may cause a permanent reduction of policy cash values and death benefit and negate any guarantees against lapse that may be provided under your policy. Surrender charges may apply to the policy and loans may be subject to interest charges. Although loans are generally not taxable, there may be tax consequences if the policy lapses, or is surrendered or exchanged with an outstanding loan.

Taxable income could exceed the amount of proceeds actually available. Surrenders are generally taxable to the extent they exceed the remaining investment in the policy.

Securities offered through The Leaders Group, Inc. Member FINRA/SIPC 26 W Dry Creek Circle, Suite 800, Littleton, CO 80120, 303-797-9080. Globe Integrity Life Insurance Company is not affiliated within The Leaders Group, Inc. Globe Integrity Life Insurance Company offers variable life insurance policies underwritten by Nationwide Mutual Insurance Company and Equitable Financial Life Insurance Company of America. Accessing policy cash value through loans and surrenders may cause a permanent reduction of policy cash values and death benefit and negate any guarantees against lapse that may be provided under your policy. Surrender charges may apply to the policy and loans may be subject to interest charges. Although loans are generally not taxable, there may be tax consequences if the policy lapses, or is surrendered or exchanged with an outstanding loan. Taxable income could exceed the amount of proceeds actually available. Surrenders are generally taxable to the extent they exceed the remaining investment in the policy.

Check the background of your financial professional or broker/dealer with FINRA BrokerCheck.

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