# LifeCover: Life Insurance — Term Life Coverage Calculator > Personalized life insurance needs calculator based on income, debts, and education goals. (iPhone/iPad app by andrew falk.) - Source: https://appshunter.io/ios/app/lifecover-life-insurance/id6784762137 (this page in markdown: same URL + `.md`) - Developer: [andrew falk](https://appshunter.io/developer/6782992933) - Category: Finance - Price: Free - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 17.0 · 1 MB - Languages: American English - Released: 2026-07-02 - Data updated: 2026-08-11 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/lifecover-life-insurance/id6784762137/reviews.md ## What is LifeCover? How much life insurance does your family actually need? LifeCover gives you a clear, personalized answer in about two minutes — with no agent, no sign-up, and no data leaving your phone. Most rules of thumb ("just buy 10x your income") are guesses. LifeCover sizes your coverage the way a financial planner does: it calculates the lump sum your family could invest, conservatively, to replace your paycheck — rising with inflation — for exactly as long as they'd depend on it. WHAT IT DOES • Replace your income — enter your income and how long it's needed (until the kids are grown, until your spouse retires, or a set number of years). We solve for the death benefit that pays that income every year and lasts the full period. • Pay off the mortgage and debts — clear the home loan, cards, auto, and student loans so they don't fall on your family. • Fund your kids' education — set aside college costs per child. • Cover final expenses — funeral and uncovered medical bills. • Already covered? Subtract existing policies and savings to see the real gap — the new coverage you actually need to buy. • See it work — a year-by-year schedule shows exactly how the benefit pays the income and depletes on schedule. WHY IT'S DIFFERENT • Planner-grade math (present value of an inflation-protected income stream), not a one-size multiplier. • You choose what to protect — your number reflects your goals, not a generic formula. • Adjust every assumption: investment return, inflation, and how much of your income to replace. PRIVATE BY DESIGN Everything you enter stays on your device. No accounts, no tracking, no data collection. TALK TO A HUMAN — FREE When you're ready to put a policy in place, book a free, no-obligation coverage review with a Freedom Financial Planners advisor, right from the app. IMPORTANT LifeCover provides educational estimates only and is not insurance, financial, tax, or legal advice, and not an insurance quote. Coverage you can buy and its cost depend on underwriting. Consult a licensed professional before making decisions. ## Key features - Personalized coverage calculation - Income replacement planning - Mortgage and debt payoff - Education funding estimates - Existing policy subtraction - Year-by-year benefit schedule - Adjustable assumptions ## Frequently asked questions about LifeCover ### What is LifeCover? LifeCover is a free application designed to help you calculate your personalized life insurance needs. It uses planner-grade math to estimate the coverage required to replace your income, pay off debts, and fund education, all while keeping your data private on your device. ### How does LifeCover calculate insurance needs? LifeCover calculates your needs by considering factors like income replacement duration, mortgage and debt payoff, and education costs. It uses a present value of an inflation-protected income stream model, allowing you to adjust assumptions like investment return and inflation. ### Is LifeCover free to use? Yes, LifeCover is completely free to use. There are no charges associated with downloading or using the application for its core calculation features. ### Does LifeCover have ads? No, LifeCover does not contain advertisements. The app is designed to provide a clean and focused user experience without any ad interruptions. ### What devices does LifeCover support? LifeCover is available for iPhone and iPad devices. It is designed to run on Apple's mobile operating systems. ### Is my data safe with LifeCover? Yes, LifeCover is designed with privacy in mind. All data entered into the application stays on your device, with no accounts, tracking, or data collection by the developer. ### Can I get a real insurance quote from LifeCover? LifeCover provides educational estimates only and is not an insurance quote. To get coverage and its cost, you will need to consult a licensed professional, as it depends on underwriting. ### How often is LifeCover updated? LifeCover was last updated on July 2, 2026, with version 1.0. Information on future update frequency is not provided, but the initial release date suggests it is a relatively new application. ## Version history (last 2 releases) ### 1.1 — 2026-08-07 A fresh new look. Your coverage number now leads with a bold summary card, a color-coded breakdown of exactly what makes it up, and a chart that shows how the benefit pays your family's income year by year. Same planner-grade math, clearer than ever. ### 1.0 — 2026-07-02 No release notes. ## More apps by andrew falk - [Social Security Estimate](https://appshunter.io/ios/app/social-security-estimate/id6784246028) - [MilRetire Pro: VA & Pension](https://appshunter.io/ios/app/milretire-pro-va-and-pension/id6784248055) All apps by andrew falk: https://appshunter.io/developer/6782992933 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-11.*