Too little coverage is a risk. Too much is a waste. Find your number.
Get a clear calculation of how much life, disability, and umbrella coverage your situation may call for — and exactly where your current policies come up short or pile on more than you need. We name no carriers and sell nothing. Just the gap, so you can decide what to do about it.
Just $19. A professional needs analysis runs $200–$400.
The analysis puts your real numbers against your calculated need — this is illustrative.
Most households have never actually calculated what they need.
“Am I covered?” is usually answered with a feeling, not a figure. The only way to know is to run your income, debts, dependents, and existing coverage through the math. This does exactly that — and stops there, so the decision stays yours.
“A round number” and “whatever work offered” aren't a plan.
Most coverage gets set by a rule of thumb — a multiple of salary, a default from an employer plan, a number that sounded right years ago. Meanwhile the things that actually drive your need — your mortgage, dependents, and how long they'd rely on your income — keep changing, and the coverage never gets re-checked against them.
A needs calculation replaces the round number with your number — for life, disability, and umbrella liability — and shows the gap in each. What you do with it is up to you and a licensed insurance professional.
Illustrative. Your need and gap are computed from the figures you enter.
An honest needs calculation is oddly hard to get for free.
$200–$400 for a needs analysis — unbiased and thorough, but a bill for math you can see the results of yourself.
Will happily run the numbers — but they earn a commission on what you buy, so the "need" and the product tend to line up conveniently.
Fine for a rough life-insurance figure, but it ignores disability and umbrella, and can’t flag where you’re over-covered.
Free — until a gap shows up at the worst possible moment, or you realize you’ve been over-paying for years.
Knowing your coverage gap shouldn't require someone who profits from the answer.
Enter your situation. We calculate the need. You decide.
How much life coverage your income, debts, and dependents may call for — a real figure, not a multiple-of-salary shortcut.
Whether your income would be protected if you couldn’t work — the coverage most people forget to check.
Whether your assets and exposure suggest you need liability coverage beyond your existing limits.
Your existing policies measured against your calculated need, so you see under- and over-coverage in one place.
A clear, per-coverage view of where you stand — and by how much.
General cost ranges for context — no carriers, no products, nothing to buy here.
A needs calculation only — not insurance advice, and it does not name carriers, quote products, or tell you what to buy. Take the gap figures to a licensed insurance professional to select a policy.
Got your results? Now just ask WarrenBeta.
Warren has your coverage analysis results and explains them in plain, simple English. Ask it anything — what a number means, what changed, what to look at next — and get a clear answer, on demand. No jargon, no judgment, no appointment.
Free with your account, and it gets more generous the more services you use. Warren explains your numbers — it doesn't tell you what to buy or do. You decide.
Ask Warren provides general educational information about your own inputs and results and does not constitute personalized investment, tax, legal, or insurance advice, or a recommendation to buy or take any action. Warren can make mistakes — verify important details and consult a licensed professional before making decisions.
How it works
Your income, debts, dependents, monthly expenses, savings, and the coverage you already have.
Life, disability, and umbrella need computed on your numbers, then measured against your current coverage.
A clear per-coverage gap you can download and take to a licensed insurance professional.
Takes minutes. Nothing to buy. No commitment.
Wanting to protect your family shouldn't mean sitting through a sales pitch.
Insurance is one of those things most people know they should look at and quietly avoid — because it usually means talking to someone who's selling. You can skip that entirely. Get the number first, in private, with no one earning a commission on your answer. Then, if there's a gap worth closing, you'll walk into that conversation knowing exactly what you need.
A professional needs analysis runs $200–$400. Nothing sold, no commissions.
Frequently asked questions
- Will this tell me which policy or company to buy?
- No — and that’s by design. The analysis calculates how much coverage your situation may call for and where your current coverage falls short or overshoots. It does not name carriers, quote products, or tell you what to buy. Take the gap figures to a licensed insurance professional to choose a policy.
- Is this insurance advice or a sales pitch?
- Neither. It is an educational needs calculation — we don’t sell insurance, don’t earn commissions, and don’t recommend products. You get the math on your coverage gap so you can decide how to act on it.
- What coverage types does it look at?
- Life, disability, and umbrella liability coverage, plus a review of your existing coverage. It calculates the need for each and shows where you may be under- or over-covered.
- What do I need to get started?
- Your current policies (coverage amounts), your income, outstanding debts, the number and ages of any dependents, monthly expenses, and existing savings. That’s enough to calculate the gap.
- Do you sell my data?
- No. The figures you enter are used to generate your analysis. See our Privacy Policy for details.
Find out if you're under-, over-, or right-covered.
Get your coverage gap on your own numbers in minutes.
Dversify provides educational financial-analysis tools and does not provide insurance, financial, legal, or tax advice, does not sell insurance, and does not recommend specific carriers, policies, or products. This analysis calculates coverage needs based on the information you provide; figures are illustrative estimates. Consult a licensed insurance professional to select and purchase coverage.