---
title: Calculators - LWT Agency
description: When it comes to life insurance, it’s all about underwriting. Check out our underwriting tools to get the extra edge of getting your cases approved. Got a challenging case? Call us first.
---

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# LWT Agency

Since 1927

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## Calculators

We’ve compiled the industry’s highest rated, easy-to-use calculators to assist you in determining how much life insurance your clients may need.

### Life Insurance Needs Calculator

Quickly assess how much life insurance a family will need when the breadwinner dies to meet immediate financial obligations and keep the household running.

[Life Insurance Needs Calculator](http://www.lifehappens.org/insurance-overview/life-insurance/calculate-your-needs/)

[Life Insurance Needs Questionnaire](https://lwtagency.com/hubfs/wp-content/uploads/2018/06/Life-Insurance-Needs-Calculation-Questionnaire.pdf?hsLang=en)

### Human Life Value Calculator

Quickly estimates future earnings and calculates the financial loss that a family was to incur if the breadwinner was to die.

[Human Life Value Calculator](http://www.lifehappens.org/insurance-calculators/calculate-human-life-value/)

### Government Calculators

Life expectancy and Social Security retirement calculators.

[Government Calculators](https://www.ssa.gov/planners/benefitcalculators.html)

### Additional Life Insurance Calculators

[John Hancock Life Insurance Needs Analysis Calculator](https://www.jhadvancedmarkets.com/JHNeedsAnalysis/NeedAnalysisCalcDefault.aspx)

[John Hancock Retirement Needs Analysis Calculator](https://www.jhretirementcalculator.com/)

[John Hancock Estate Tax Calculator](https://www.jhadvancedmarkets.com/Estatecalculator/Forms/FrmETaxCalc.aspx)

[John Hancock Business Valuation Calculator](https://www.jhadvancedmarkets.com/JHBusinessValuation/(S(h0tniwxep52k4u2hn0wsg4zs))/Default.aspx)

[John Hancock Life Expectancy Calculator](https://www.johnhancockinsurance.com/life-expectancy-calculator.html)

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Securities offered through Simplicity Group, Inc. Member [FINRA](http://www.finra.org/)/[SIPC](http://www.sipc.org/) 475 Springfield Avenue Summit, New Jersey 07901  
Leisure Werden & Terry Agency is not affiliated with The Leaders Group, Inc.

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- LWT Agency 
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