Lifeworth Insurance Agency
Calculators
Small tools that answer one specific question with arithmetic you can check. No product is recommended, nothing is held back behind an email form, and every figure that is not one of your own numbers is named with its source.
- Answers stay in your browserNothing reaches us unless you choose to send it.
- The result is shown in fullNo email form standing between you and the answer.
- Every figure is sourcedNamed source and year for anything that is not yours.
- No product is recommendedThat is a conversation with a licensed agent, not a form.
Life and family
How much life insurance do I need?
Runs the two methods the industry actually uses, DIME and Human Life Value, and shows both. They often disagree, and the distance between them is the useful part.
- You get
- Two coverage figures, the workings behind each, and the assumptions that move them.
What will final expenses actually cost?
Adds the four bills a death produces, not just the one people price: the funeral home, the cemetery and marker, the debts the estate still owes, and getting the family there.
- You get
- A total, and the part someone would have to find at the worst possible moment.
Retirement and later life
Will my retirement income cover what I need?
Counts the income that arrives whatever happens, works out what savings would have to cover each month, and shows how large a pot that takes. It names no product, because closing a gap is a decision rather than a calculation.
- You get
- A monthly gap, the savings needed behind it, and whether you are on track.
What would an annuity pay, and how do quotes compare?
Estimates the monthly income a deposit could buy at your age from published 2026 survey payout rates, then turns real quotes into payout rates you can set side by side. The estimate is an illustration, not a quote.
- You get
- An estimated monthly income, a do-it-yourself comparison, and a payout rate per quote.
What could long-term care cost in Florida?
Projects care costs from published Florida median figures, grows them to the year you would actually be paying, and subtracts what is already in place. Medicare does not cover custodial care, which is where most of the surprise comes from.
- You get
- A projected total, the cost of the first year when care begins, and the part not yet covered.
Health coverage
How much help will I get paying for Marketplace coverage in 2027?
Applies the IRS table for 2027 to your household size, expected income and benchmark Silver plan, and shows plainly where the 400% cliff and Florida’s coverage gap fall.
- You get
- An estimated monthly credit, what the benchmark plan would cost you, and where your income sits.
For employers
Am I an Applicable Large Employer?
Applies the IRS counting rule exactly: headcount for full-time staff, hours for everyone else. Part-time hours aggregate into the total, which is why plenty of businesses land on the wrong side of the answer.
- You get
- Your count for the month, which side of the 50 threshold it falls, and three tax credit indicators.
What these are, and what they are not
These are estimates built from arithmetic you can follow. They do not take account of your full financial picture, they are not offers of insurance, and no one at Lifeworth has reviewed your situation when you use one.
Each calculator shows its own working, names its sources and carries its own disclosures, so you can see exactly how it reached its answer and decide what you make of it. If a number looks wrong to you, the assumptions behind it are all on the page and all adjustable.
Being built next
- Medicare enrollment window checker