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Insurance Calculators

Below you will find descriptions and links to 3 free calculators for computing values associated with insurance.

If you like, you may also use the search page to help you find what you need.

Actual Cash Value Calculator
This calculator will compute the actual cash value (ACV) of an item, given the original purchase price, the item's current age, and the item's expected life.
  • The actual cash value of an item is the difference between its original purchase price and its depreciation. These values are often used by insurance adjusters to determine what an item is worth.
Insurance Reimbursement Calculator
This calculator will compute the reimbursement amount for an insurance claim, given the fair market value of the property, the fair market value of the loss, the face value of the insurance policy, and the coinsurance rate.
  • The amount of an insurance reimbursement is the smaller of the face value of the policy, the fair market value of the loss, or the potential reimbursement as determined by the reimbursement formula.
Life Insurance Adequacy Calculator
This calculator uses the multiple-of-income method to tell you how much life insurance you should have, given your gross annual income. The calculator will compute both the minimum and maximum amounts of life insurance that you may need.
  • The purpose of life insurance is to replace your income if you happen to die in order to protect the quality of life of those who depend on your income.