California homebuyer worksheet
How much would your family need to stay in the house?
A transparent way to estimate the life insurance coverage that would keep a household financially whole — the mortgage paid, debts cleared, income replaced. No jargon, no black box. Every number below is yours to change, and the math is shown in full.
Your numbers
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What's left on the loan. The California statewide median price is roughly $915K–$930K in 2026, so a typical mortgage after a down payment often lands in the $550K–$750K range.
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Car loans, student loans, credit cards — anything a survivor would still owe.
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The take-home a household would lose. Used with the years below to size income replacement.
How long the family would need support — often until kids are grown or a mortgage is paid off.
Used to estimate future education costs below.
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A rough target per child. Adjust for public vs. private plans.
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Funeral and end-of-life costs, commonly estimated around $10K–$20K.
What reduces the need
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Any coverage already in place, including through an employer.
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Money that could be used right away — savings, brokerage, accessible funds.
Estimated coverage to consider
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The math, in full
Estimated need
$0
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Educational estimate only. This worksheet is a simplified needs analysis and does not account for taxes, inflation beyond the optional adjustment, changing circumstances, or any specific product. It is not financial, tax, or insurance advice and does not recommend any particular coverage or company. Figures are illustrative; individual situations vary. Consult a licensed professional before making decisions.