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The Coverage Gap Audit
Most plans are not wrong so much as untested. This puts a number on the difference between what your family would actually need and what is really there — the gap this site is named after.
Before you start
Nothing you type is transmitted, stored, or logged — the whole thing runs in your browser, and closing the tab discards it. There are no prefilled “typical” amounts either. Rules of thumb are where this exercise usually goes wrong, so every figure is yours.
What your family would need
The income your family would lose. Not total household income — just the part that would stop.
Until the youngest finishes school, until a spouse could return to work, until retirement — your call.
Mortgage balance plus any other loans that do not disappear.
Optional. Leave blank if this does not apply.
Optional. Funeral, medical, and the cost of settling the estate. Use your own estimate.
What is already there
Total death benefit across every policy, including any through work.
Savings and taxable brokerage. Exclude retirement accounts with penalties and anything that must be sold first.
Once you have a number
A gap is a starting point, not a diagnosis. The usual next questions are whether existing coverage is the right kind, whether the money could actually be reached in time, and whether the people named to act are the ones you would still choose today.
Want the follow-up questions too?
Weekly, plain-English estate and legacy planning — and the gaps most plans leave open. Free, no spam.