Insurance Planning Calculators

Ideal for: Risk management · Income protection · Discovery conversations · Needs analysis

Build Confidence by Protecting What Matters Most

Insurance planning isn’t just about policies—it’s about protecting income, lifestyle, and family security. FreshPlan’s insurance calculators help clients understand their risk exposure and quantify what they actually need, so decisions feel grounded, not sales-driven.

Use these tools to guide protection planning conversations with clarity, transparency, and a focus on real-life goals.

Key Insurance Planning Calculators

Each calculator is Snackable, Stackable, and Adaptable—ideal for early conversations, plan reviews, or addressing specific client concerns.

Insure Your Earnings
Show clients the lifetime value of their income—and how much is at risk without adequate protection.

Life Insurance Needs
Calculate the amount of life insurance needed to protect dependents, pay off debts, and meet future goals like education or retirement.

Disability Insurance Needs
Estimate the monthly benefit needed to maintain lifestyle and cover expenses if a client becomes unable to work due to illness or injury.

Critical Illness Insurance Needs
Help clients understand the lump-sum amount they’d need if diagnosed with a major illness, covering lost income, care costs, or recovery time.

Diversify and Protect
Demonstrate how diversification can reduce volatility and improve long-term outcomes.

Life Insurance infographic on a desk

Client-Ready Visuals and Infographics

Insurance is a tough sell when clients can’t picture the risks. Our visuals help bridge that gap. Use them to:

  • Illustrate income replacement needs
  • Compare insurance scenarios
  • Highlight financial risk exposure
  • Reinforce key protection concepts

Make Risk Conversations Easier—And More Meaningful

FreshPlan makes it easier to:

  • Early discovery meetings
  • Annual financial plan reviews
  • Young professionals and families
  • Needs-based product discussions
  • Visualizing income and risk protection gaps

They’re visual, unbiased, and help advisors focus on why coverage matters—not just what to buy.

Why Advisors Choose FreshPlan for Insurance Planning

  • Makes protection planning feel personal, not pushy
  • Helps quantify client needs with credibility
  • Supports insurance conversations with visuals, not jargon
  • Builds trust by focusing on real risks—not product features

Calculator Features

  • Quick Plan Templates
    Start fast with common life-stage scenarios like young families, homeowners, or business owners.

  • Modular Planning
    Use one calculator or all, depending on your client’s stage of life or concerns.

  • Scenario Modeling
    Adjust timelines, income levels, or coverage assumptions to show various “what-if” situations.

  • Client-Ready Reports
    Turn calculations into personalized reports clients can review or share with family members.

  • Secure Sharing
    Let clients explore their protection needs independently to build understanding and trust.

  • Visual Dashboards
    Show income risks, coverage gaps, and future needs clearly—no spreadsheets required.