Life Insurance Needs Calculator

Calculate your optimal life insurance coverage in minutes with our advanced analysis tool

Average Coverage Gap
$450K
Recommended Minimum
$750K
👤
🎂
Please enter a valid age (18-85)
💰
Please enter your annual income
🏠
💳
💵
🎓
👶
🚨
🛡️

Calculating your optimal coverage...

📊 Your Life Insurance Analysis

Total Recommended Coverage: $0
💡 Expert Tip: Review your coverage annually or after major life events.
✅ Analysis Complete! Share your results to get feedback from family or advisors.
Recommended Policy Type
Term Life
Ideal Term Length
20 years

📤 Share Your Results

`; }function resetCalculator() { document.getElementById('calculatorForm').reset(); document.getElementById('resultsSection').classList.remove('show'); document.getElementById('successAlert').classList.remove('show'); clearErrors(); // Reset to defaults document.getElementById('replacementYears').value = '10'; document.getElementById('finalExpenses').value = '15000'; document.getElementById('includeInflation').checked = true; document.getElementById('includeTaxes').checked = true; document.getElementById('spouseIncome').checked = true; document.getElementById('collegeFunding').checked = true; // Scroll to top window.scrollTo({ top: 0, behavior: 'smooth' }); // Track reset event trackEvent('reset_calculator'); showNotification('🔄 Calculator has been reset!', 'info'); }function saveToLocalStorage(data) { try { const saved = JSON.parse(localStorage.getItem('lifeInsuranceCalculations') || '[]'); saved.unshift(data); // Add to beginning if (saved.length > 10) saved.pop(); // Keep only last 10 localStorage.setItem('lifeInsuranceCalculations', JSON.stringify(saved)); } catch (e) { console.warn('Failed to save to localStorage:', e); } }function loadFromLocalStorage() { try { const saved = JSON.parse(localStorage.getItem('lifeInsuranceCalculations') || '[]'); if (saved.length > 0) { const lastCalculation = saved[0]; // Restore form data if less than 7 days old const age = (new Date() - new Date(lastCalculation.timestamp)) / (1000 * 60 * 60 * 24); if (age < 7) { restoreFormData(lastCalculation.formData); } } } catch (e) { console.warn('Failed to load from localStorage:', e); } }function restoreFormData(data) { Object.keys(data).forEach(key => { const element = document.getElementById(key); if (element) { if (element.type === 'checkbox') { element.checked = data[key]; } else { element.value = data[key]; } } }); }function copyToClipboard(text) { navigator.clipboard.writeText(text).then(() => { showNotification('📋 Results copied to clipboard!', 'success'); }).catch(() => { showNotification('❌ Copy failed. Please try again.', 'error'); }); }function showNotification(message, type = 'info') { const notification = document.createElement('div'); notification.style.cssText = ` position: fixed; top: 20px; right: 20px; padding: 15px 25px; background: rgba(255, 255, 255, 0.9); backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px); color: ${type === 'success' ? '#27ae60' : type === 'error' ? '#e74c3c' : '#2c3e50'}; border-radius: 10px; box-shadow: 0 5px 15px rgba(0,0,0,0.1); z-index: 10000; animation: slideIn 0.3s ease; font-weight: 500; border: 1px solid rgba(0,0,0,0.05); `; notification.textContent = message; document.body.appendChild(notification); setTimeout(() => { notification.style.opacity = '0'; notification.style.transform = 'translateX(100%)'; setTimeout(() => notification.remove(), 300); }, 3000); }function trackEvent(eventName, eventData = {}) { // Google Analytics 4 tracking if (typeof gtag !== 'undefined') { gtag('event', eventName, { ...eventData, timestamp: new Date().toISOString() }); } // Custom event tracking console.log(`Event: ${eventName}`, eventData); }// Real-time calculation as user types let calculationTimeout; document.querySelectorAll('input[type="number"], select').forEach(input => { input.addEventListener('input', () => { clearTimeout(calculationTimeout); calculationTimeout = setTimeout(() => { if (document.getElementById('age').value && document.getElementById('income').value && document.getElementById('replacementYears').value) { handleCalculation(); } }, 1500); }); });// Initialize on page load window.addEventListener('load', () => { // Load previous calculation loadFromLocalStorage(); // Track page view trackEvent('page_view', { page: 'calculator' }); // Check for URL parameters (for sharing) const urlParams = new URLSearchParams(window.location.search); if (urlParams.has('coverage')) { document.getElementById('income').value = urlParams.get('income') || 75000; handleCalculation(); } // Add keyboard shortcuts document.addEventListener('keydown', (e) => { if (e.ctrlKey && e.key === 'Enter') { handleCalculation(); } else if (e.ctrlKey && e.key === 'r') { e.preventDefault(); resetCalculator(); } }); // Show welcome message for new users if (!localStorage.getItem('lifeInsuranceCalculatorVisited')) { setTimeout(() => { showNotification('👋 Welcome! Enter your details to get started.', 'info'); localStorage.setItem('lifeInsuranceCalculatorVisited', 'true'); }, 1000); } });// Prevent accidental page refresh with unsaved data window.addEventListener('beforeunload', (e) => { const hasData = document.getElementById('age').value || document.getElementById('income').value; const hasResults = document.getElementById('resultsSection').classList.contains('show'); if (hasData && !hasResults) { e.preventDefault(); e.returnValue = 'You have unsaved changes. Are you sure you want to leave?'; } });// Service Worker for offline capability if ('serviceWorker' in navigator) { navigator.serviceWorker.register('data:text/javascript,' + encodeURIComponent(` self.addEventListener('install', e => e.waitUntil(self.skipWaiting())); self.addEventListener('activate', e => e.waitUntil(self.clients.claim())); self.addEventListener('fetch', e => e.respondWith(fetch(e.request).catch(() => new Response('

Offline Mode

Your calculations are stored locally.

', { headers: { 'Content-Type': 'text/html' } }) ))); `)).catch(() => { // Silent fail - not critical for functionality }); }