JobzbrvProtect your family without guessing the numbers
Jobzbrv brings together eight calculators and straight-talking guides, so you can decide how much life insurance to buy before anyone tries to sell you some.
Pick a calculator
View all →How Much Cover Calculator
Turn your debts, kids and income into one cover amount.
02Term or Whole Life Compare
See both policy types priced next to each other.
03Monthly Premium Estimator
Ballpark the monthly price of a term policy.
04Paycheck Replacement Calculator
Find the lump sum that could stand in for your salary.
05Final Expense Calculator
Price a funeral line by line, with a safety buffer.
06Beneficiary Split Planner
Divide a payout fairly and check it totals 100%.
07Home Loan Cover Calculator
Check the cover that would clear your mortgage.
08Delay Penalty Calculator
Measure what waiting a few years could cost you.
Why people use Jobzbrv
Answers in a minute
Change a number and the result updates instantly, with no forms and no waiting for a callback.
No agenda
There is nothing to buy here. Guides explain the trade-offs, including when you may not need a policy.
Shown working
Every page lays out its formula and assumptions, so you can see how each result was reached.
Latest guides
Life Insurance Explained for Beginners
5 min read →How to Pick the Right Term Length
4 min read →Is Employer Life Insurance Enough?
4 min read →Life Insurance Riders Worth Knowing
4 min read →What to Expect From a Life Insurance Medical Exam
4 min read →What Happens If You Miss a Life Insurance Payment?
3 min read →Questions, answered
Are the calculators really free?
Yes. There is no cost and no account. Everything runs in your browser, so your numbers stay on your device.
How close are the estimates?
They are carefully reasoned approximations. Real prices depend on your health, your insurer and personal choices.
Which tool should I try first?
Begin with the How Much Cover calculator, then check the Monthly Premium Estimator for a ballpark price.
Does Jobzbrv sell insurance?
No. It is an independent education site with no policies, no commissions and no applications.