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Quiet tools · For life and health insurance agents

Give your website something policyholders will use, and a reason to call you before they buy.

How much life insurance, what long-term care will cost, the Medicare enrollment window, the income surcharge, and the survivor's tax bill. Each tool ends with the advice to talk with a professional who knows the whole situation, which on your site is you.

12 tools for life and health insurance agents. Each link opens a calculator in a small window on your site. Your visitor runs their own numbers, sees what the rules say, and reads the line every tool ends with: talk with a professional who knows your whole situation. On your site, that professional is you.

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Try one, the way your visitors would
The full page and sources

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All 12 tools

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One snippet, every tool above, each opening in a small window over your page. Copy it and paste it where your site takes HTML.

What it looks like on your page

Your reader stays on your site. Each link opens the calculator in a small window with its sources and one line saying who built it. No site around it, no pitch. Try one below.

  • How Much Life Insurance Do You Need? Sizes the life insurance a family would need from its parts: the income to replace, the debts, the final expenses, the education fund, and what is already in place.
  • Long-Term Care Cost Projection Projects what a period of long-term care could cost by the time you need it, and what set aside today would cover it.
  • Medicare Enrollment Window Dates your Medicare sign-up window to your birth month and shows what a late sign-up costs for life.
  • Social Security Claiming Calculator Shows your Social Security benefit at every claiming age from 62 to 70 and what each adds up to over a lifetime.
  • Survivor Benefit Timing Calculator Helps a widow or widower choose which Social Security benefit to take first, and when to switch.
  • Will My Money Last? Projects whether your savings will last, year by year, at the spending and assumptions you choose.
  • Pension or Lump Sum? Compares taking a pension as monthly checks for life with taking the lump sum offered instead.
  • IRMAA Calculator Finds the Medicare premium tier your income lands in and what it costs for the year.
  • IRMAA Appeal Checker Checks whether you can ask Medicare to base your premium on this year's income instead of a return from two years ago.
  • Widow's Penalty Calculator Shows how much more federal tax a surviving spouse pays on the same household income after the joint return ends.
  • Illinois Medicaid Long-Term Care Figures Lists this year's Illinois Medicaid figures for nursing-home care and works out the penalty for gifts made in the last five years.
  • Illinois Private-Pay Runway Calculator Estimates how many months of nursing-home costs a household can pay before Illinois Medicaid could take over.

Calculators from Considerate Capital. Educational estimates from the public rules, not advice; each opens in its own window with the sources and terms.

Prefer links to the full pages instead? Writers and nonprofits sometimes do. .

Email this to your web person

Paste it where your site takes HTML. In WordPress, that is a Custom HTML block. Nothing to install, and every link is tagged for your kind of firm.

All 12 tools are included. Change which ones

With every tool included, the shelf keeps itself current: a tool added for your kind of firm appears on its own. Untick any to pin the list to what you pasted.

See the code
<ul class="cc-quiet-tools">
  <li><a href="https://consideratecapital.com/embed/how-much-life-insurance?via=insurance" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">How Much Life Insurance Do You Need?</a> <span>Sizes the life insurance a family would need from its parts: the income to replace, the debts, the final expenses, the education fund, and what is already in place.</span></li>
  <li><a href="https://consideratecapital.com/embed/long-term-care-cost-projection?via=insurance" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Long-Term Care Cost Projection</a> <span>Projects what a period of long-term care could cost by the time you need it, and what set aside today would cover it.</span></li>
  <li><a href="https://consideratecapital.com/embed/medicare-enrollment-window?via=insurance" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Medicare Enrollment Window</a> <span>Dates your Medicare sign-up window to your birth month and shows what a late sign-up costs for life.</span></li>
  <li><a href="https://consideratecapital.com/embed/social-security-claiming-calculator?via=insurance" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Social Security Claiming Calculator</a> <span>Shows your Social Security benefit at every claiming age from 62 to 70 and what each adds up to over a lifetime.</span></li>
  <li><a href="https://consideratecapital.com/embed/survivor-benefit-timing?via=insurance" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Survivor Benefit Timing Calculator</a> <span>Helps a widow or widower choose which Social Security benefit to take first, and when to switch.</span></li>
  <li><a href="https://consideratecapital.com/embed/will-my-money-last?via=insurance" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Will My Money Last?</a> <span>Projects whether your savings will last, year by year, at the spending and assumptions you choose.</span></li>
  <li><a href="https://consideratecapital.com/embed/pension-or-lump-sum?via=insurance" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Pension or Lump Sum?</a> <span>Compares taking a pension as monthly checks for life with taking the lump sum offered instead.</span></li>
  <li><a href="https://consideratecapital.com/embed/irmaa-calculator?via=insurance" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-760)/2)+',width=780,height=760');return false;">IRMAA Calculator</a> <span>Finds the Medicare premium tier your income lands in and what it costs for the year.</span></li>
  <li><a href="https://consideratecapital.com/embed/irmaa-appeal-checker?via=insurance" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">IRMAA Appeal Checker</a> <span>Checks whether you can ask Medicare to base your premium on this year's income instead of a return from two years ago.</span></li>
  <li><a href="https://consideratecapital.com/embed/widows-penalty-calculator?via=insurance" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Widow's Penalty Calculator</a> <span>Shows how much more federal tax a surviving spouse pays on the same household income after the joint return ends.</span></li>
  <li><a href="https://consideratecapital.com/embed/illinois-medicaid-long-term-care-figures?via=insurance" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-680)/2)+',width=780,height=680');return false;">Illinois Medicaid Long-Term Care Figures</a> <span>Lists this year's Illinois Medicaid figures for nursing-home care and works out the penalty for gifts made in the last five years.</span></li>
  <li><a href="https://consideratecapital.com/embed/medicaid-runway-illinois?via=insurance" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Illinois Private-Pay Runway Calculator</a> <span>Estimates how many months of nursing-home costs a household can pay before Illinois Medicaid could take over.</span></li>
</ul>
<p class="cc-quiet-tools-note">Calculators from <a href="https://consideratecapital.com/tools?via=insurance">Considerate Capital</a>. Educational estimates from the public rules, not advice; each opens in its own window with the sources and terms.</p>

Why firms put these on their sites

It ends with you
Every tool closes by telling the reader to talk with a professional who knows their whole situation. The reader is on your site, so the next step is your door.
Something to do, not just read
A visitor who runs their own numbers stays longer than one who reads, and the number they get is the question they bring to you. Every figure traces to a statute, regulation, or agency release, and when the law moves, it changes here.
In plain words
Every tool opens with a plain-English line on what it does and where it stops, so visitors use it without help and know its limits.

Built by Joshua Mangoubi, CFA, MBA. Joshua is a financial adviser who likes building things that help people think clearly about money. We hope these are useful to you and your clients. The tools are educational estimates from primary sources, not advice. Corrections are welcome through the contact page.

Terms. Cite any page, quote any figure with the year attached, or use the links above with the attribution left as it is. No reciprocal link, ever. All 19 professional shelves.