Your age and income have a direct impact on your term life insurance needs. Generally, the younger you are, the more life insurance you need to replace a loss of lifetime income for your beneficiary(ies). To calculate the amount of coverage that you need, select your age bracket, and choose the multiple of coverage that suits your budget and lifestyle. Enter your multiple and your current pre-tax annual income into our needs calculator to determine the amount of coverage that you should have at this time in your life.