💚 Life Insurance Needs Calculator

How much life insurance do you need? Based on dependents, debts, income replacement years, education costs.

💚 15 Countries💰 Free

Select your country to get started:

West Africa
East Africa
Central Africa
Southern Africa
North Africa
Protection gap estimate

Calculate the cover gap a family may need

Not sure how to get the most from the Life Insurance Calculator? Enter your amounts, rates and dates and it returns a clear estimate with the assumptions shown — built for all 54 African countries.

  • What you get: a clear estimate with the assumptions shown, so you can move from a quick look to a real decision.
  • How it works: the Life Insurance Calculator takes your amounts, rates and dates and shows the working, not just a single number.
  • What to check: confirm current prices, fees and official rates for your country before you rely on the result. It is a planning estimate, not financial advice.

Reviewed 2026. Results are a guide — always confirm current prices, fees and official rates for your country before acting. It is a planning estimate, not financial advice.

Result: enter income, debt, and savings to estimate the cover gap.

Frequently Asked Questions

How do I use the Life Insurance Calculator?

Enter your amounts, rates and dates in the fields above. The Life Insurance Calculator then gives you a clear estimate with the assumptions shown you can use straight away.

How accurate is the Life Insurance Calculator?

It is as accurate as the values you enter and shows the assumptions behind the result. Always confirm current prices, fees and official rates for your country before you rely on it. It is a planning estimate, not financial advice.

Is the Life Insurance Calculator free, and does it cover my country?

Yes — it is completely free, works on any phone or computer with no signup, and is built for all 54 African countries.