🔔 41% of U.S. adults have no life insurance — LIMRA 2024🔔 1 in 4 workers will become disabled before age 67 — Social Security Administration🔔 The average U.S. life insurance gap is approximately $200,000 — LIMRA🔔 Only 54% of Americans have any life insurance coverage — Insurance Information Institute🔔 Term life insurance costs an average of $26/month for a healthy 30-year-old — Policygenius 2024🔔 41% of U.S. adults have no life insurance — LIMRA 2024🔔 1 in 4 workers will become disabled before age 67 — Social Security Administration🔔 The average U.S. life insurance gap is approximately $200,000 — LIMRA🔔 Only 54% of Americans have any life insurance coverage — Insurance Information Institute🔔 Term life insurance costs an average of $26/month for a healthy 30-year-old — Policygenius 2024

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How protected is your family, really?

5 free calculators that show exactly where your family is financially exposed. Takes 60 seconds.

Which risk hits closest to home?

Couples Vulnerability Score

Take this with your partner. 60 seconds. Most couples are shocked by their score.

Insurability Rating

Answer 9 lifestyle questions. See how insurance companies would rate you today.

Mortgage Protection Gap

How many months before your family loses the house without you?

Disability Insurance Gap

One injury away from crisis? Find your exact number of days.

Family Survival Simulator

A month-by-month look at what happens to your family financially without you.

Frequently Asked Questions

How much does VeraLifeScore cost?

All 5 calculators are completely free. No credit card required, no hidden fees.

Is my information private?

Yes. We never sell your data. Your information is used only to generate your personalized report and connect you with a licensed insurance professional.

How accurate are the calculators?

Our calculators use publicly available actuarial data from the Social Security Administration and Bureau of Labor Statistics. Results are educational estimates, not guarantees.

Do I need to buy insurance after using the calculator?

No. There is no obligation. The calculators are educational tools designed to help you understand your family's financial protection.

Who will contact me after I request my report?

Kerlan Lovell, a licensed insurance professional in New York (License LA-77247994), will personally review your report with you.

🏛️ NY License LA-77247994⭐ 4.9 Google Reviews🔒 Your Info Is Protected📍 Albany Capital Region

Your data never leaves this site. No spam. No selling your info.