Insurance & Protection

What the policy is actually for.

Coverage is sold on worst-case stories. These tools start from your real numbers — illustrative rules of thumb, not advice.

See the calculators All topics

Calculators

Run your numbers

Pick the question on your mind. Each one shows its working.

Coverage

Coverage Gap (DIME)

Debt, Income, Mortgage, Education — how much cover you'd need vs what you hold today.

Medicare

Medicare Plan Estimator

Part B + IRMAA + Medigap vs Medicare Advantage, on the latest CMS figures.

Why it matters

A policy is a math problem.

Insurance feels like a leap of faith, but the size of cover you need is mostly arithmetic — debts, income to replace, and future costs. Start from the numbers, then take them to a licensed adviser to finish.

Illustrative and educational only — not insurance or financial advice. Full disclosure.