Replacing an income
If one income stopped, how much capital the household would need so that nobody has to move, change school, or start again.
Life insurance & estate planning
Work out what your family would actually need. Then decide what to do about it.
Most people are quoted a product before anyone has asked what the money is for. We start with the number — how much capital it would take for life to continue unchanged — and only then talk about what fills it.
The calculator runs in your browser. Nothing is sent to us unless you ask us to call.
An example household
Two earners · two children · illustrative
- Income, ten years
- 1,800,000
- Mortgage
- 300,000
- Other debt
- 40,000
- Education
- 150,000
- Final expenses
- 15,000
- What the family needs
- 2,305,000
- Cover and assets in place
- −600,000
The gap
$1,705,000
Start with a number, not a quote
Ten calculators and checklists, free and without a form. Each one answers a single question and takes about a minute.
- 01Family Income Replacement calculatorHow much capital the household would need so that life could continue without starting over.
- 0290-Day Income Gap calculatorIf the income stopped for ninety days, what would actually be covered — and what would not.
- 03Term Expiration Stress TestTwo dates: when your cover ends, and when the thing it protects ends. The gap between them is the whole question.
- 04Retirement Tax-Control ScorecardSeven questions about how much control you have over the tax on your retirement income. It takes about a minute.
- 05Debt Cost & Cash-Flow calculatorWhat one debt costs before it is gone — how long, and how much of it is interest.
- +6All 11 toolsDebt costs, cash reserves, living benefits, capital readiness and the rest.
Five jobs money has to do
Nobody needs all five at once. Most households need two, and the conversation is about which two.
Cover that outlasts the mortgage
Term insurance is efficient and it is designed to end. The question is whether your responsibilities end with it.
Accumulation and liquidity
Where reserves sit, what they are for, and what it actually costs to reach them when an opportunity appears.
Protection while you are alive
The risk that is insured least and happens most: surviving something that stops the earning while the bills carry on.
Income planning into retirement
Which dollars are meant to cover the essentials in a year the market does not cooperate, and which are meant to grow.
How this works
Three steps, and you can stop after any of them.
Run a number
Use whichever calculator matches what is on your mind. It costs nothing and asks for nothing.
Join the class
A weekly session comparing the options honestly — including the ones that are not insurance, and what each one costs.
Have a conversation
A licensed producer asks what you are protecting before telling you anything about products. Ten minutes, and there is nothing to buy on it.
Watch when you want
The class
It opens on the question you arrived with, then covers the same ground for everyone: how households coordinate protection, liquidity and tax diversification, with a 401(k), an IRA, investments, cash reserves and disability cover on the same table as insurance.
Recorded, so there is no date to make and no room full of strangers. Nothing is sold on it. If it is useful you can book a conversation afterwards, and if it is not you still have the comparison.
Start the class- Your own question, restated first
- How accounts differ once tax is applied
- Guaranteed versus non-guaranteed values, shown separately
- What a living-benefit rider does and does not cover
- Charges, loans, lapse and the ways this goes wrong
- One worked household, start to finish
Who you would be talking to
Keyon Edwards founded Keylock Your Life to do financial and estate planning the way he thought it should be done: education first, products last, and nothing recommended that he could not explain in plain language.
He and his producers are licensed in Georgia, Florida, Texas and Louisiana. If you are outside those states, we will say so rather than take your details.
Call (305) 404-4816
Questions people actually ask
- Is this a sales call?
- No. The first conversation is about what you are trying to protect and what you already have in place. Nothing is quoted until there is something worth quoting.
- What does it cost?
- The tools and the class cost nothing. Cover costs whatever the carrier prices it at for your age and health, and you will see that in writing before anything is applied for.
- Why do you ask which state I am in?
- A producer may only write business in states they are licensed in. If you are outside ours, we will tell you so rather than take up your time.
- What happens to my details?
- They go to Keylock Your Life and its licensed producers, and nowhere else. The calculators run entirely in your browser — the figures you type are never sent to us.