The Hidden Risk: Millions of Americans Are Underinsured
Did you know? Nearly 60% of American households would face financial hardship within months if a primary wage earner died. Over 33 million children could lose financial security if the unexpected happens.
The average coverage gap is over $200,000 per household.
Your Family's Anchor
Because your love deserves a plan.
Who Counts On You?
These are the precious lives your plan will protect.
This helps determine how long income support might be needed.
We'll use this to personalize your certificate of protection.
This covers a portion of your income for your family's living expenses (housing, food, etc.) for a set number of years. Most aim for 70-80%.
Your Financial Safety Net
Let's account for what you've already built to secure their future.
This is your readily available emergency fund.
Includes average final expenses.
Their Future, Guaranteed
Secure not just their needs, but their dreams.
An extra amount from your coverage for specific goals like education, a business, or a charitable gift. This is separate from income replacement and debt coverage.
Your Protection Breakdown
This is what protecting your family looks like in numbers.
Make Your Protection Pledge
Formally commit to this plan. It's a powerful step.
This calculator provides an estimate for informational purposes only and is not financial advice or an insurance policy. For a complete needs analysis and personalized recommendations, please contact a YourFEX Broker.
This certificate represents a commitment to protect:
Share this commitment. Inspire others to protect their loved ones:
More Than a Number
Your Pledge is a Powerful Promise
You’ve just taken a significant step by understanding your Human Life Value. This isn’t just a calculation; it’s a reflection of the incredible love and support you provide. By acknowledging this value, you’ve essentially made a pledge to protect your loved ones.

OUR COMMUNITY INITIATIVE
Love in Action: Protecting NC Families, Together
'Every family deserves the peace of mind that comes with knowing they're protected. 'Love in Action' is our way of turning that belief into a widespread reality, together.' - Richard Moore, Founder of YourFEX.com
Your pledge to understand your Human Life Value is more than just a personal step—it’s an act of love that ripples outwards. ‘Love in Action’ is our commitment at YourFEX.com to transform individual awareness into collective strength. By taking the pledge, you join a growing community of North Carolinians dedicated to ensuring no family has to face the future unprotected.
Share This Page
Help spread awareness. Share this initiative with your community to strengthen family protection across North Carolina.
Act on Your Pledge
Run a quote based on your numbers and see what it'll take to fulfill your promise to your loved ones. Apply online in minutes.
Share Your Commitment & Honor Your Pledge
Your Human Life Value is a powerful reminder of what you provide. Help spread awareness by sharing your pledge, or let us help you turn this number into a solid plan.