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Inversiones

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Calculadora de seguro a plazo.

Calcule cuánta cobertura de vida puede necesitar su familia

Cálculo en el dispositivoSin registro
01

Introduce tus valores

Los resultados se actualizan al escribir.

Detalles personales

Cobertura existente

Metas futuras

Suposiciones

Cobertura recomendada

373.512 US$
Est. prima anual: 45 US$

Desglose de cobertura

Necesidad de reemplazo de ingresos388.741 US$
Necesidad de protección de responsabilidad50.000 US$
Necesidad de objetivos ajustados a la inflación44.771 US$
Necesidad bruta493.512 US$
Recursos existentes120.000 US$
Cobertura neta necesaria373.512 US$

Cómo funciona esta estimación

  • 1Apoyo a los gastos de los proyectos hasta la edad de jubilación en términos de valor presente.
  • 2Agrega pasivos, metas futuras y un colchón de gastos finales.
  • 3Resta los activos existentes y la cobertura de vida actual.

Esta es una estimación para la planificación. El monto final de la póliza y la prima dependen de la suscripción de la aseguradora y de su perfil.

Cite this calculator

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

Cite as: Mathify. (2026). Calculadora de seguro a plazo. https://mathify.one/es/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