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Both calculators run independently — change the inputs on either side to compare results.

Insurance Claim Settlement Calculator

Estimates the net payout you can expect from an insurance claim after applying your deductible, depreciation, and coinsurance terms. Use it before filing a claim to set realistic expectations.

Total Claim Amount ($)

Policy Deductible ($)

Coverage Limit ($)

Depreciation Factor

Coinsurance Rate

Fill in the required fields to see your result.

Insurance

Life Insurance Needs Calculator

Estimates the life insurance coverage your family needs by replacing income for a set number of years, paying off debts, and subtracting existing assets. Use it when buying a new policy or reviewing existing coverage after a major life event.

Annual Income ($)

Years of Coverage Needed (years)

Existing Savings/Assets ($)

Total Debts ($)

Fill in the required fields to see your result.

Key differences

	Insurance Claim Settlement Calculator	Life Insurance Needs Calculator
Category	Insurance	Insurance
Inputs required	5	4
Result	Expected Settlement Amount ($)	Recommended Life Insurance Coverage ($)
What it does	Estimates the net payout you can expect from an insurance claim after applying your deductible, depreciation, and coinsurance terms. Use it before filing a claim to set realistic expectations.	Estimates the life insurance coverage your family needs by replacing income for a set number of years, paying off debts, and subtracting existing assets. Use it when buying a new policy or reviewing existing coverage after a major life event.