Worksheets you can fill in by hand

Two one-page PDFs. Print them, work through them at the kitchen table, and bring the result to the estimator or the application. Free, no email address required, and fine to share with a client or a friend.

Coverage worksheet

The four-number method on one page: income × years, plus debts and education, minus what you already have. Fill in one copy per parent.

Open PDFDownload

1 page · Letter · about 80 KB

Beneficiary & policy checklist

What to decide before you apply and what to check when the policy arrives, with California's free-look, grace-period, and contestability rules noted.

Open PDFDownload

1 page · Letter · about 80 KB

How to use them

The coverage worksheet follows the same method as how much life insurance do I need; fill it in, then enter the same numbers in the estimator to get a rounded figure and a suggested term. The checklist is for the day you apply and the day the policy arrives; the free-look deadline line is the one most people are glad they wrote down.

Realtors, mortgage brokers, HR contacts, and CPAs are welcome to hand these to clients. They carry my name and license number, and they don't sell anything.