Estimate Your Potential Protection Gap

    Organize the household responsibilities you choose to consider, the existing resources you intentionally designate, and any information that remains unknown.

    Learn how the estimate works.

    Responsibilities you select

    Include only the categories your household chooses to consider.

    Your choice. SecureNest does not apply a default multiplier.

    The yearly amount you want to replace. Multiplied only by the number of years you choose below.

    How would you like to record "Household income or support to replace (per year)"?

    Remaining balance or the housing amount you want covered.

    How would you like to record "Mortgage or housing obligations"?

    Loans, credit balances, or other obligations you want considered.

    How would you like to record "Other debts"?

    The total amount you want set aside for care.

    How would you like to record "Childcare or dependent-care responsibilities"?

    The amount you want set aside for education, if any.

    How would you like to record "Education goals"?

    The amount you want set aside for final expenses.

    How would you like to record "Final expenses"?

    Anything else you choose to include.

    How would you like to record "Other household responsibility"?

    Resources you designate

    Only resources you intentionally choose to count toward the responsibilities above. Employer-sponsored and individually owned coverage are recorded separately.

    Use the amount stated in your current plan documents. Recorded separately from individually owned coverage.

    How would you like to record "Employer-sponsored life-insurance amount"?

    Coverage you own outside of work, if any.

    How would you like to record "Individually owned life-insurance amount"?

    Only what you intentionally decide to designate for these responsibilities.

    How would you like to record "Savings or other resources you choose to count"?

    Anything else you deliberately designate.

    How would you like to record "Other designated resources"?

    Important Disclosures: SecureNest is a licensed North Carolina insurance broker. We help families understand their life insurance needs and, when they're ready, place coverage through top-rated carriers. All coverage recommendations from our tools are personalized estimates based on your inputs and are not guarantees of rates, coverage availability, or policy terms. Actual premiums and coverage depend on individual underwriting by insurance carriers. We do not provide financial, legal, or medical advice. As a licensed broker, SecureNest is compensated by the issuing carrier if you purchase a policy. This compensation does not affect the price you pay.

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    SecureNest

    A licensed insurance broker helping young families find the right life insurance coverage. No pressure, just guidance.

    SecureNest, LLC

    Ryan Manning, NC Licensed Life Insurance Producer

    NC License # 19500220·NPN # 19500220

    1235 East Blvd, Ste. E # 1807, Charlotte, NC 28203

    hello@securenest.life

    Hours: Monday–Friday, 9am–6pm ET

    © 2026 SecureNest. All rights reserved.

    SecureNest is a licensed insurance broker. Coverage recommendations are estimates only—actual rates depend on underwriting.