Steve Soyebo

Faithland Investments & Financial Investments Services, Inc. DBA Steve Soyebo Insurance Agency

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(832) 934-9090

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Life Insurance Coverage Calculator for Family Protection

Calculate your financial legacy. Estimate term life insurance needs based on income replacement, mortgage payoff, and education goals.

Life Insurance Coverage Calculator

Is your family financially bulletproof?

It takes 3 minutes to find out.
Whether you are just curious or actively planning, use this private tool to calculate the exact safety net your family needs to maintain their lifestyle if you weren't there.

🛡️ Why calculate now?
Most families underestimate their need by 50%. Knowing your number costs nothing, but not knowing could cost your family their lifestyle.
100% Confidential. No Email Required.

Income Replacement

This isn't just money; it's groceries, utilities, and stability. How much income would vanish if you were gone?

💡 Steve's Tip: We usually recommend 10 years of income replacement. This allows your family to maintain their standard of living while children grow up, without being forced to downsize immediately.

Debts & Mortgage

A mortgage-free home is one of the greatest gifts you can leave behind. Let's clear the slate for them.

🏠 The Reality: Without income, a mortgage payment can become impossible in months. Covering this balance ensures your family never has to leave their home during a difficult time.

Future Goals & Adjustments

Do you want to fund college? And what savings do you already have that we can subtract?

We will subtract this from your total need.

Your Family's Safety Net

To fully protect your lifestyle, keep the house, and fund the future, this is the coverage gap we need to fill.

$ 0
Income Replacement:
Debts Cleared:
Existing Assets:
😲 Don't let this number scare you.
For many healthy adults, securing $1,000,000 in term coverage can cost less than a daily cup of coffee. It is much more affordable than you think.
Get a Quote for This Amount

This is a needs analysis estimate, not an offer of insurance. Actual requirements vary.

Insurance Resources for Houston Families & Businesses

Free downloads: Texas Auto Accident Guide, Home Inventory Checklist, Business Liability Audit, and Life Insurance Legacy Binder.

Client Resource Center

Don't Wait for a Claim to Check Your Coverage

Most people find out they are underinsured after an accident. Use these free tools to audit your current policies, prepare for storms, and protect your assets.

Texas Accident Glovebox Guide

Step-by-step accident checklist. Keep this in your car so you never panic at the scene.

PDF • Print & Fold
Download

Home Inventory & Storm Prep

70% of homeowners forget to list valuables. Use this to ensure your claim pays out fully.

PDF • Checklist
Download

Business Liability Audit

Are you exposed? A quick self-audit for business owners to spot gaps in coverage.

PDF • 3 Pages
Download

The "If I'm Missing" Binder

The ultimate guide to organizing your accounts, passwords, and policies for your family.

PDF • Essential
Download
💡 Found a gap in your coverage?
Downloading the form is step one. Ensuring you have the policy to back it up is step two. Let me review your current policy (from any carrier) to see if you are truly protected.
Free Policy Review →

Texas Insurance Claim Denial Prevention Tool

Scan your insurance policy for red flags. Discover the top 10 reasons claims get denied in Texas for Auto, Home, Commercial, and Life insurance.

Claims Denial Prevention

Prevent Denials Before They Happen

Don't guess with your payout.
Insurers deny claims daily due to simple "technicalities." Select your policy type below to scan for the specific red flags that affect you.

💡 The "Steve Soyebo" Reality Check:
For Auto claims, the #1 denial reason in Texas is unlisted drivers. If someone lives with you but isn't on the policy, coverage can be voided instantly.
Free Assessment. No Personal Data Stored.
  1. Material Misrepresentation: Lying on the application (e.g., business use for personal car).
  2. Coverage Lapse: Missed a payment, even by a day.
  3. Excluded Driver: An unlisted teen or roommate drove the car.
  4. Late Filing: Waiting weeks to report the incident.
  5. Insufficient Documentation: No photos or police report.
  6. Failure to Mitigate: Letting damage get worse (e.g., ignoring a leak).
  7. Policy Exclusions: Specific damage type not covered (e.g., Flood vs. Water).
  8. Failure to Cooperate: Missing calls or deadlines from the adjuster.
  9. Wear & Tear: Claiming old damage as new/sudden.
  10. Limits Exceeded: Damage cost is higher than your policy limit.

The "Paperwork" Audit

Insurers check these administrative details before they even look at the damage. Is your policy bulletproof?

💡 Tip: Check your "Declarations Page." If a driver or location is missing, add them before an incident occurs.

The Incident Details

How you handled the event immediately after it happened determines your payout. Did you follow protocol?

⚠️ Caution: "Sorry" can be interpreted as an admission of guilt. Be polite, but do not discuss fault at the scene.

Your Denial Risk Profile

Based on your self-audit, here is where you stand with your current carrier.

CALCULATING...

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🛡️ The "Steve Soyebo" Strategy:
Even "Low Risk" claims get denied if the paperwork isn't perfect. Don't file alone.

Unsure about your coverage? Let's verify it.

Get a Free Policy Review