WAZE TO WEALTH
Stop Guessing About Your Protection
Most families carry life coverage based on outdated rules of thumb or rough guesses. Discovering your true, protection number takes exactly 5 minutes—and brings absolute clarity to your family's future.
5-Minute Assessment
100% Free · No Obligation
QUANTITATIVE PROTECTION ANALYSIS
Find Your Real Protection Number
Generic rules of thumb fail real families. Enter your obligations and existing assets and existing life insurance coverage below to determine your mathematically validated coverage shortfall.
Protection Gap Calculator
Most people are guessing at how much life insurance they need. This worksheet gets you a real number in about five minutes — based on what your family would actually need to cover, not a rule of thumb.
You
If something happened to you, what would your family need to stay financially stable?
Before you decide anything
- Does this number look high, low, or about right to you?
- If you couldn't qualify for life insurance at all, is there another place this money would come from?
- If not — would you agree that closing this gap is worth a conversation?
Send My Results
Get a copy of your numbers to keep. If you'd like, book a free protection review with Tom at the same time — he'll have your results in hand before the call.
Your results are on the way
Book Your Free Protection ReviewPAUSE & REFLECT
Before You Decide Anything
A calculated figure is just raw math until you anchor it to your family's actual day-to-day security and long-term intentions.
REFLECTIVE INSIGHTS
Three Questions to Clarify Your Number
01. Does this calculated gap feel surprisingly high or low?
Most people underestimate future inflation and ongoing household liabilities. Seeing the true number is the first step toward honest clarity.
02. Where else would this money realistically come from?
Without structured coverage, the difference is routinely paid through liquidated retirement accounts, sold assets, or sudden lifestyle compromises.
03. Is closing the gap worth a 25-minute conversation?
A tailored strategy rarely costs as much as people expect, but leaving a known shortfall unaddressed always carries the highest price.
No pressure or obligation. Just straightforward advisory analysis.
PROFESSIONAL POLICY REVIEW
Get a Second Set of Eyes
Turn your preliminary calculation into an exact, underwritten coverage strategy. In a brief, focused consultation, Tom Southard reviews your numbers to identify hidden coverage risks. Carrier application approvals are required to lock in optimized rates. Please do this while you have your health!
25-Minute Direct Consultation • Zero Sales Pressure • Actionable Policy Audit
Southard Insurance Services
Providing analytical clarity, fiduciary integrity, and tailored asset protection strategies for individuals, families and business owners.
Advisory Contact
Tom Southard, CRC™
Certified Retirement Counselor®
Phone: (408) 476-1254
Email: [email protected]
Hours: Mon - Fri, 9:00 AM - 5:00 PM PT
Compliance & Privacy
National Producer Number (NPN): 21569032
CA Department of Insurance lic#: 0M63258
InFRE CRC ID: 8437
EDUCATIONAL TOOL ESTIMATE & PROFESSIONAL CREDENTIALING DISCLAIMER
The Coverage Gap Calculator provided on this site is an educational modeling tool intended solely for illustrative and conceptual evaluation. Calculations are mathematical estimations derived from user-entered assumptions and generic industry benchmarks; they do not constitute an insurance quote, policy pre-approval, financial guarantee, or legal and tax advisory. Insurance products are subject to underwriting approval, state availability, policy terms, exclusions, and carrier product guidelines.
Tom Southard is a Life and Health Insurance licensed agent and holds the Certified Retirement Counselor® (CRC®) designation awarded by the International Foundation for Retirement Education (InFRE). Conformance to CRC® standards indicates completion of accredited retirement competency examinations and ongoing adherence to professional ethics codes. Insurance advisory consultations are conducted individually to verify specific jurisdictional regulations and client suitability.
© 2026 Southard Insurance Services. All rights reserved. | Terms of Use | Privacy Policy | State Licensing Disclosures