Get a personalized life insurance assessment in minutes

Answer a few simple questions, and we'll make a personalized assessment before you start a quote.
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  4. Question 1 - Your Location
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What is your annual income before tax?

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The benefit from a life insurance policy can be used to replace your income and ensure that your loved ones maintain a comfortable standard of living. We will consider your estimated after‑tax income when recommending an insurance amount.

How many children do you have?

There are many significant costs to consider for the ongoing care of your children, including living expenses, food and clothing, after‑school programs, and post‑secondary education. Life insurance can help ensure that your children's future plans become a reality.

Do you want to set aside funds to cover your children's education costs?

Do you want to set aside funds to cover your children's education costs?

The average cost of a post‑secondary education is $15,000 per year per child. Some of the things you should consider are: food, clothing, health care and recreation/school supplies.

How old are you?

We use this information to provide better advice and to determine if you are eligible for coverage under our life insurance plans. Keep in mind that your life insurance needs and premiums will vary depending on your age and stage in life. In general, buying insurance when you are younger and healthier means your premium will be lower.

Do you have any other outstanding debts?

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Life insurance can protect your loved ones from having to pay for your outstanding debts. Some debts to consider are auto loans, credit card debts, and personal, home, or education loans.

Do you have any existing life insurance?

Do you have any existing life insurance?
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Most employer plans provide 1 to 2 times income as part of employee benefit plans, but having your own policy means that the coverage stays with you even if you change employers. If you have other coverage, including mortgage insurance, you may require less coverage.

Please select all of the following that apply to you and your household:

Please select all of the following that apply to you and your household:

When deciding on coverage, it's important to consider your loved ones' financial needs. Keep in mind that as your life situation changes, so does their need for insurance.

Would you like to set aside funds for a charitable donation?

Would you like to set aside funds for a charitable donation?
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The proceeds from a life insurance policy can be used to fund a charitable donation and may reduce any final estate taxes.

Do you own or rent your home?

Do you own or rent your home?
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Life insurance is a means of preserving your loved ones' way of life. Your home is a huge part of that, and worth protecting.

An outstanding mortgage is a huge risk to their financial stability, one worth protecting against. For example, if your original mortgage was $500,000 and $200,000 was already paid off, they would still owe $300,000 – without your income to help pay it down.

We recommend that you set aside funds to cover your rent for 1 to 3 years, to keep them from having to move.

How old is your spouse/partner?

We will consider your spouse/partner's age as well as yours when recommending your coverage amount.

Is your spouse/partner employed?

Is your spouse/partner employed?
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We will use your spouse/partner's income to estimate how much money you should set aside to provide a replacement income, if any.

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Here is your personalized Right Fit Life Insurance assessment based on your answers:


You have now taken the first step towards meeting your life insurance needs.

Limited Coverage

Total insurance offered: $XX
Paying off debts $XX
Providing a replacement income $XX
Establishing an education fund $XX
Covering other expenses $XX
Existing life insurance $XX

Recommended Coverage

Total insurance offered: $XX
Paying off debts $XX
Providing a replacement income $XX
Establishing an education fund $XX
Covering other expenses $XX
Existing life insurance $XX

Enhanced Coverage

Total insurance offered: $XX
Paying off debts $XX
Providing a replacement income $XX
Establishing an education fund $XX
Covering other expenses $XX
Existing life insurance $XX

Coverage option details

Paying off debts

Because you have debts that may need to be settled in the event of your death, we recommend coverage to pay off outstanding balances. Paying off your mortgage and other debts will ensure that your loved ones won't have to cover them.

Recommended Coverage:

Limited Coverage

Since you have no dependents, we don't recommend you set aside any funds to pay off your debts. If you pass away, any outstanding balances will be paid out of your estate.

$X will cover Y% of the outstanding balance of your mortgage and any other debts that you told us.

Recommended Coverage

Since you have no dependents, we don't recommend you set aside any funds to pay off your debts. If you pass away, any outstanding balances will be paid out of your estate.

$X will cover Y% of the outstanding balance of your mortgage and any other debts that you told us.

Enhanced Coverage

Since you have no dependents, we don't recommend you set aside any funds to pay off your debts. If you pass away, any outstanding balances will be paid out of your estate.

$X will cover Y% of the outstanding balance of your mortgage and any other debts that you told us.


Providing a replacement income

Providing a replacement income for your loved ones can protect them from the financial effects of the unexpected loss of your income. However, if you have coverage for your outstanding debts, it would not be necessary to replace 100% of your after tax income.

Recommended Coverage:

Limited Coverage

Provides $XX (YY% of your after tax income) every year until your spouse reaches age 65*.

Provides $XX (YY% of your after tax income) every year until your youngest child reaches age ZZ, then $II (JJ% of your after tax income) every year until your spouse reaches age 65*.

No funds would be set aside to provide a replacement income for your spouse/partner.

Provides $XX (YY% of your after tax income) until your youngest child reaches age ZZ*.

It will also cover XX months of rent payments.

Recommended Coverage

Provides $XX (YY% of your after tax income) every year until your spouse reaches age 65*.

Provides $XX (YY% of your after tax income) every year until your youngest child reaches age ZZ, then $II (JJ% of your after tax income) every year until your spouse reaches age 65*.

Provides $XX (YY% of your after tax income) until your youngest child reaches age ZZ*.

It will also cover XX months of rent payments.

Enhanced Coverage

Provides $XX (YY% of your after tax income) every year until your spouse reaches age 65*.

Provides $XX (YY% of your after tax income) every year until your youngest child reaches age ZZ, then $II (JJ% of your after tax income) every year until your spouse reaches age 65*.

Provides 100% of your after tax income until your spouse has reached age 65 and your youngest child has reached age ZZ.

Provides $XX (YY% of your after tax income) until your youngest child reaches age ZZ*.

It will also cover XX months of rent payments.


Establishing an education fund

Because you want to save for your child(ren)'s education, we have recommended a coverage amount that will provide an education fund for them in the event of your untimely death.

Recommended Coverage:

Limited Coverage

Setting aside a lower amount could generate $30,000 of funding for your each of children by the time they turn 18*.

Recommended Coverage

If invested at the time of payout, this amount would generate $60,000 of funding for each of your children by the time they turn 18*.

Enhanced Coverage

Setting aside a higher amount could generate $100,000 of funding for each of your children by the time they turn 18*.


Covering other expenses

There are costs to plan for before you pass away. Funerals and estate taxes can cost more than you think – setting aside money for them now can make the difficult business of your death easier for your loved ones.

Recommended Coverage:

Limited Coverage

This amount would be sufficient to fund $25,000 in final expenses, as well as $XX in a charitable donation.

Recommended Coverage

This amount would be sufficient to fund $25,000 in final expenses, as well as $XX in a charitable donation.

Enhanced Coverage

This amount would be sufficient to fund $25,000 in final expenses, as well as $XX in a charitable donation.


Additional considerations

Children with a disability require extra consideration. Will they have any assistance they require that you currently, personally give them? Will they be able to provide their own income as adults?

Parents requiring care should be factored into your coverage. The money you provide for their care will have to be replaced, as will the time you spend on them – running errands, or driving them to and from appointments, for example.

Call us at 1‑877‑397‑4182 Monday to Friday from 8 to 8 ET to speak to one of our advisors.

You told us that you currently have $XX of existing life insurance coverage, and we have taken that into account in the options presented above.

Keep in mind group coverage may terminate at the end of employment. If you became unemployed, you could lose what group coverage you have, leaving you less protected than you'd planned.

Get a quick quote to see just how affordable $___ of life insurance can be.

Start my life insurance quote

Now that you know your coverage amount of $XX, start your quote today!

Coverage: $XX

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You have now taken the first step towards meeting your life insurance needs.
Here is your personalized Right Fit Life Insurance assessment based on your answers:
Limited Coverage
If you want to set aside less, consider $X to pay off any outstanding debts and set aside funds as follows:
Based on the information provided, you could choose not to apply for additional coverage at this time – but we recommend that you review your insurance needs with a licensed advisor. Call us at 1‑877‑397‑4182, Monday to Friday, 8:00 to 8:00 EST, or get a quick quote online.

  • $X to pay off outstanding debts
  • $X to provide a replacement income
  • $X to establish an education fund
  • $X for additional needs
  • Additional considerations: You told us that you have $XX of coverage already. We have subtracted that from the total need.
Recommended Coverage
We recommend $X of insurance coverage to protect your loved ones' standard of living.
Based on the information provided, you could choose not to apply for additional coverage at this time – but we recommend that you review your insurance needs with a licensed advisor. Call us at 1‑877‑397‑4182, Monday to Friday, 8:00 to 8:00 EST, or get a quick quote online.

  • $X to pay off outstanding debts
  • $X to provide a replacement income
  • $X to establish an education fund
  • $X for additional needs
  • Additional considerations: You told us that you have $XX of coverage already. We have subtracted that from the total need.
Enhanced Coverage
$X of coverage will ensure that your loved ones' needs are more than met.
Based on the information provided, you could choose not to apply for additional coverage at this time – but we recommend that you review your insurance needs with a licensed advisor. Call us at 1‑877‑397‑4182, Monday to Friday, 8:00 to 8:00 EST, or get a quick quote online.

  • $X to pay off outstanding debts
  • $X to provide a replacement income
  • $X to establish an education fund
  • $X for additional needs
  • Additional considerations: You told us that you have $XX of coverage already. We have subtracted that from the total need.
Note: Existing TD Insurance customers can use promo code RFLIA01 to get a valued customer preferred rate.

Detailed information about our coverage recommendation
Paying off debts

Because you have debts that may need to be settled in the event of your death, we recommend coverage to pay off outstanding balances. Paying off your mortgage and other debts will ensure that your loved ones won't have to cover them.

Recommended Coverage:


Providing a replacement income

Providing a replacement income for your loved ones can protect them from the financial effects of the unexpected loss of your income. However, if you have coverage for your outstanding debts, it would not be necessary to replace 100% of your after tax income.

Recommended Coverage:


Establishing an education fund

Because you want to save for your child(ren)'s education, we have recommended a coverage amount that will provide an education fund for them in the event of your untimely death.

Recommended Coverage:


Covering other expenses

There are costs to plan for before you pass away. Funerals and estate taxes can cost more than you think – setting aside money for them now can make the difficult business of your death easier for your loved ones.

Recommended Coverage:

Additional considerations:

Children with a disability require extra consideration. Will they have any assistance they require that you currently, personally give them? Will they be able to provide their own income as adults?

Parents requiring care should be factored into your coverage. The money you provide for their care will have to be replaced, as will the time you spend on them – running errands, or driving them to and from appointments, for example.

Call us at 1‑877‑397‑4182 Monday to Friday from 8 to 8 ET to speak to one of our advisors.

You told us that you currently have $XX of existing life insurance coverage, and we have taken that into account in the options presented above.

Keep in mind group coverage may terminate at the end of employment. If you became unemployed, you could lose what group coverage you have, leaving you less protected than you'd planned.


What are my other options?
Limited Coverage
If you want to set aside less, consider $X to pay off any outstanding debts and set aside funds as follows:
Based on the information provided, you could choose not to apply for additional coverage at this time – but we recommend that you review your insurance needs with a licensed advisor. Call us at 1‑877‑397‑4182, Monday to Friday, 8:00 to 8:00 EST, or get a quick quote online.

  • $X to pay off outstanding debts
  • $X to provide a replacement income
  • $X to establish an education fund
  • $X for additional needs
  • Additional considerations: You told us that you have $XX of coverage already. We have subtracted that from the total need.
Note: Existing TD Insurance customers can use promo code RFLIA01 to get a valued customer preferred rate.
Recommended Coverage
We recommend $X of insurance coverage to protect your loved ones' standard of living.
Based on the information provided, you could choose not to apply for additional coverage at this time – but we recommend that you review your insurance needs with a licensed advisor. Call us at 1‑877‑397‑4182, Monday to Friday, 8:00 to 8:00 EST, or get a quick quote online.

  • $X to pay off outstanding debts
  • $X to provide a replacement income
  • $X to establish an education fund
  • $X for additional needs
  • Additional considerations: You told us that you have $XX of coverage already. We have subtracted that from the total need.
Enhanced Coverage
$X of coverage will ensure that your loved ones' needs are more than met.
Based on the information provided, you could choose not to apply for additional coverage at this time – but we recommend that you review your insurance needs with a licensed advisor. Call us at 1‑877‑397‑4182, Monday to Friday, 8:00 to 8:00 EST, or get a quick quote online.

  • $X to pay off outstanding debts
  • $X to provide a replacement income
  • $X to establish an education fund
  • $X for additional needs
  • Additional considerations: You told us that you have $XX of coverage already. We have subtracted that from the total need.
Note: Existing TD Insurance customers can use promo code RFLIA01 to get a valued customer preferred rate.
Compare options
Limited Coverage
Recommended Coverage
Enhanced Coverage
Total insurance coverage $XX $XX $XX
Paying off debts $XX $XX $XX
Providing a replacement income $XX $XX $XX
Establishing an education fund $XX $XX $XX
Covering other expenses $XX $XX $XX
Existing life insurance $XX $XX $XX