Do You Have Enough Life Insurance?
Find Out in 3–5 Minutes — Free
Most people are either over-insured or under-insured — and don't find out until it's too late. The East Ocean Strategies Life Insurance Needs Calculator gives you a clear, personalized picture of exactly how much coverage your family needs to be protected, based on your income, debts, and future goals.
No sales pitch. No obligation. Just clarity.
✅ Instant Results — Enter your numbers and see your coverage recommendation on the spot.
✅ Personalized to You — Your income, your debts, your family's future expenses. Not a generic estimate.
✅ One Simple Next Step — Get your results delivered to your inbox, plus a free resource to help you protect your legacy.
HOW IT WORKS (3 Steps)
Step 1 — Tell us about your income and obligations. We'll ask about your annual income, debts, and future expenses like college costs for your children.
Step 2 — See your coverage number instantly. The calculator determines your recommended life insurance amount and identifies any coverage gap you may have.
Step 3 — Get your personalized results by email. Enter your email to receive a full summary of your results, a free resource, and an invitation to schedule a complimentary consultation.
🔢 Calculate My Coverage Now →
✺ Why Trust East Ocean Strategies? ✺
East Ocean Strategies is led by Toni Zavana, J.D., an attorney-educator and licensed insurance professional helping conscientious legacy builders protect what matters most.