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Risikoversicherungsrechner.

Schätzen Sie, wie viel Lebensversicherung Ihre Familie benötigen könnte

Berechnung auf dem GerätKeine Anmeldung
01

Werte eingeben

Ergebnisse werden während der Eingabe aktualisiert.

Persönliche Daten

Bestehende Abdeckung

Zukünftige Ziele

Annahmen

Empfohlene Abdeckung

373.512 $
Schätzung: jährliche Prämie: 45 $

Aufschlüsselung der Deckung

Einkommensersatzbedarf388.741 $
Bedarf an Haftungsschutz50.000 $
Inflationsbereinigter Zielbedarf44.771 $
Grober Bedarf493.512 $
Vorhandene Ressourcen120.000 $
Netzabdeckung erforderlich373.512 $

Wie diese Schätzung funktioniert

  • 1Projektkostenunterstützung bis zum Rentenalter als Barwert.
  • 2Fügt Verbindlichkeiten, zukünftige Ziele und einen Endkostenpuffer hinzu.
  • 3Abzug bestehender Vermögenswerte und aktueller Lebensversicherung.

Dies ist eine Schätzung für die Planung. Der endgültige Versicherungsbetrag und die Prämie hängen vom Underwriting des Versicherers und Ihrem Profil ab.

Cite this calculator

Canonical URL: https://mathify.one/de/investment/term-insurance

Cite as: Mathify. (2026). Risikoversicherungsrechner. https://mathify.one/de/investment/term-insurance

Use Cases

Plan adequate life coverage for your family

Determine the total life insurance amount needed to cover daily expenses, debts, and future goals, ensuring your family's financial stability.

Example: A 35-year-old with $50k annual expenses and $200k mortgage can estimate required cover.

Assess if your existing cover is sufficient

Compare your current life insurance with the recommended amount to identify any coverage gap and decide if additional term insurance is needed.

Example: If existing cover is $300k but recommended is $500k, you may need more.

Frequently Asked Questions

How does the term insurance calculator estimate my life cover?
The calculator uses your current age, retirement age, annual expenses, liabilities, existing assets, existing cover, and future goals. It factors in inflation and expected return rate to estimate the total life cover needed to maintain your family's lifestyle and meet financial obligations.
What inputs do I need to provide?
You need to enter your current age, retirement age, annual expenses (in US$), liabilities (US$), existing assets (US$), existing cover (US$), goal amount (US$), goal years, inflation rate (%), and expected return rate (%). All fields are required for an accurate estimate.
Why is inflation important in life insurance calculation?
Inflation reduces the purchasing power of money over time. The calculator adjusts your annual expenses and future goals for inflation to ensure the recommended cover accounts for rising costs, so your family's needs are met in the future.

Tips & Common Mistakes

Tips

  • Enter realistic figures for annual expenses and liabilities to get a more accurate estimate.
  • Consider future inflation when setting your goal amount and goal years.
  • Review your life insurance needs periodically, especially after major life events like marriage, children, or buying a home.
  • Use the expected return rate that reflects your investment strategy for the insurance proceeds.

Common Mistakes to Avoid

  • Underestimating annual expenses by not including all regular costs like utilities, insurance, and education.
  • Ignoring existing assets and cover, which can lead to overestimating the required life insurance amount.
  • Using an unrealistic return rate that is too high, which may underestimate the needed cover.

Last updated: August 13, 2026