Life Insurance Calculator

Life can be unpredictable. That's why it's so important to include life insurance in your plans, so you can be better prepared for the unexpected – whether it happens today or 20 years down the line. Are you wondering, “How much life insurance coverage do I need?” Use our easy Life Insurance Calculator to get a personalized estimate.

Let’s see how much life insurance you may need.


What’s next? Contact your financial professional to discuss your results and specific situation as it relates to our financial and affordability guidelines.

Learn more about Allianz Life Pro+® Advantage Fixed Index Universal Life Insurance Policy – with a death benefit that generally passes income-tax-free to beneficiaries and additional benefits that can help you:

Build a financial resource – without market risk

Build the accumulation value of your policy through earned interest – without the risk of losses due to market volatility.


Access funds for financial needs

Access your available cash value when you want – for whatever you want – using flexible loan and withdrawal options.1


Customize your coverage to your needs

Add riders to customize your policy for a variety of needs and benefits.

1 Policy loans and withdrawals will reduce the available cash value and death benefit and may cause the policy to lapse, or affect guarantees against lapse. Withdrawals in excess of premiums paid will be subject to ordinary income tax.  Additional premium payments may be required to keep the policy in force. In the event of a lapse, outstanding policy loans in excess of unrecovered cost basis will be subject to ordinary income tax. If a policy is a modified endowment contract (MEC), policy loans and withdrawals will be taxable as ordinary income to the extent there are earnings in the policy. If any of these features are exercised prior to age 59½ on a MEC, a 10% federal additional tax may be imposed.  Tax laws are subject to change and you should consult a tax professional.

This is an estimate only and not an offer of insurance coverage. Please consult with your financial professional to determine the amount of life insurance protection that may be appropriate for you. Information and interactive calculators are hypothetical and for illustrative use only. Allianz Life Insurance Company of North America cannot and does not guarantee their applicability to any individual circumstances. This analysis is based solely on the information you provide.

Life insurance requires qualification through health and financial underwriting.

FIUL is not a source of guaranteed lifetime income.

This content is for general educational purposes only. It is not intended to provide fiduciary, tax, or legal advice and cannot be used to avoid tax penalties; nor is it intended to market, promote, or recommend any tax plan or arrangement. Allianz Life Insurance Company of North America, its affiliates, and their employees and representatives do not give legal or tax advice. Customers are encouraged to consult with their own legal, tax, and financial professionals for specific advice or product recommendations.

Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America.

Products are issued by Allianz Life Insurance Company of North America, PO Box 59060, Minneapolis, MN 55459-0060.

This content does not apply in the state of New York.