Life gap formula
Income years, debts, and goals are visible inputs. Assets and current coverage reduce the gap instead of disappearing behind a black box.
Household ready · Insurance
See the coverage gap without being sold a policy.
GlidePath's insurance room keeps policy breadcrumbs and adds a needs estimate: life income replacement, debts, and future goals less assets and existing coverage; disability essentials less after-tax benefit.
Estimate, then organize
The number is separate from the sale.
Many coverage calculators are built as lead forms. GlidePath keeps the work local: a transparent needs estimate next to the policy inventory, beneficiary notes, renewal dates, and household handoff context your family would need later.
Disability after-tax view
The app distinguishes taxable employer-paid benefits from after-tax employee-paid benefits so the monthly gap reflects spendable income more closely.
Household handoff
Policy type, insurer, renewal cadence, beneficiary notes, and document locations can live beside the estimate without storing policy numbers or passwords.
Built for clarity
A reviewable gap, not a product pitch.
The estimate helps a household spot whether there is a planning conversation to have. It does not replace a full insurance analysis, underwriting, policy illustration, or professional guidance.
Boundary
GlidePath does not quote, sell, rank, or choose insurance products, carriers, or coverage amounts.
Questions
Coverage gap FAQ
Does GlidePath sell or rank insurance?
No. GlidePath estimates a coverage gap from household inputs and keeps policy breadcrumbs organized. It does not quote, sell, rank, or choose policies or carriers.
How does the life coverage gap estimate work?
The simple estimate starts with income replacement, debts, and future goals, then subtracts liquid assets and existing coverage. It is intentionally reviewable rather than hidden behind a sales funnel.
How does the disability gap estimate handle taxes?
GlidePath distinguishes employer-paid disability benefits, which are generally taxable, from after-tax employee-paid benefits, which are generally tax-free. The result is still a planning estimate.