Calculator Products FAQ Academy See your estimate

Get your estimate. You set the coverage. You set the budget.

An estimate to start. A calculator to size your coverage. An Academy for everything else — no name, email, or phone required.

Independent agency · Licensed in 12 states · CA Lic. #6018277 · NPN #22121047

Build your estimate

Estimate by coverage type, amount, or budget.

$250,000
$25k$500k$2M
Your estimate
$18–$29
Change the coverage, the term, or your budget — this updates as you go.
Estimate only. Not a quote, offer, or contract. Actual rates depend on the carrier's underwriting and your application.
See your estimate
Start online. A licensed Vida advisor completes the application with the carrier.
1
Tell us who you're protectingYour age, your health, and who depends on you. No name, email, or phone until after you've seen a price.
2
See your estimate and choose your coverageCompare term lengths and coverage amounts side by side. Move the numbers until the cost and the protection both make sense.
3
A licensed advisor finishes it with youA licensed Vida advisor reviews your answers, confirms the carrier and the price, and submits the application on your behalf — so you only give your details once. Many applicants get a decision the same session; some are asked follow-up questions first.
Not sure yet? Speak with a licensed advisor — no application needed.
Free tool

How much do you need?

An honest coverage number in seconds — no email required.

The industry-standard DIME method: Debt + Income + Mortgage + Education, minus what you already have.

We use ~$100k per child for education and subtract liquid assets and any existing policies.

Recommended coverage
$1.0M
Based on the DIME method for your situation.
A general estimate, not personalized advice. A licensed advisor can refine this with you.
See your estimate
Coverage Options

The right kind of protection for your stage of life

We're independent — so we match you to the carrier and product that actually fits, not whatever pays us most.

Quick Compare

Term vs. Whole Life vs. IUL — at a glance

The three main ways to protect your family. Here's the difference in a few seconds.

Term LifeMost affordable Whole LifeGuarantees IULGrowth potential
TypeTemporaryPermanentPermanent
Monthly cost$$$$$$
Coverage length10–30 yearsLifetimeLifetime
Builds cash valueNoYes — guaranteedYes — index-linked*
PremiumsFixed & levelFixedFlexible
Best forIncome years, mortgage, young kidsLifelong needs + guaranteesLifelong cover + cash value growth potential

*IUL cash value is tied to an index with caps and a floor — growth is not guaranteed and is not a direct market investment. Not sure which fits? A licensed Vida advisor can help, free.

Read the full comparison →
Vida Academy

Learn before you buy.

Most people buy life insurance without understanding what they bought. We wrote the guide we wish they'd had.

Open the Academy
Free to read. Nothing to sign up for.
Find your fit

Which coverage fits you?

Four quick taps — no personal info, just a starting point.

Questions

You asked, we answered

When you're ready, we're here.

An honest estimate, then guidance from a licensed advisor. No pressure, no obligation.

See your estimate
No contact information required · No exam for most applicants · No obligation
See your estimate