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Coverage Check | Bright Future Financial

An educational estimate — not a quote or an offer of insurance.

Coverage Check

The policy you bought then
wasn't built for the life you have now.

Income changes. Kids arrive. Mortgages get signed. See where your coverage actually stands in about 90 seconds — no policy numbers needed.

The income you'd replace

Start with what your family would need coming in each year.

A common starting point is 60–80% of take-home pay. Leave out the mortgage, childcare and college — those come next.
$
Often until your youngest is independent, or through your working years.
What you'd want covered

The one-time costs that would land on your family.

Mortgage balance, car loans, private student loans, credit cards.
$
$
Picking a school type fills the cost automatically. Totals use average published cost of attendance — tuition, fees, housing, food and other expenses — in today's dollars. Adjust if you have a specific school in mind.
Daycare or after-school care your income currently covers, until the youngest ages out.
$
A cushion so your family isn't forced into fast decisions. Three to six months of expenses is common.
$
Funeral, medical and settlement costs. Many people start around $15,000.
$
What you already have

Only the coverage that belongs to you.

$
Leave out coverage through work. Employer coverage is usually one to two times salary — and it doesn't leave with you when you change jobs, so it isn't something to build a family plan around.
Your estimated coverage gap
$—
Enter your income to begin
Coverage you ownGap
Estimated need
$—
Coverage now
$—

Estimated coverage gap not yet calculated.

Where that number comes from

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Want someone to walk through these numbers with you? Book a short call with a licensed agent.

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This is an educational estimate — not a quote, an offer of insurance, or a recommendation to buy any specific amount or type of coverage. It reflects only the figures you entered. Income replacement is shown as a present value assuming a 4% rate of return and 2% inflation; your actual needs depend on your full financial picture. College figures use average published cost of attendance in today's dollars and are not projected for future tuition increases. Guarantees are backed by the claims-paying ability of the issuing insurance company. Speak with a licensed Bright Future Financial professional for a complete review.

Coverage that fits the life you have now

Built around today

Matched to your current income and obligations, not the ones you had when you signed.

Licensed professionals

A licensed team focused on life insurance, retirement and long-term financial security.

A short call

Fifteen minutes with a licensed agent to go over your results and what your coverage options look like.