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Life Insurance Calculator

See how much life insurance you may need to protect your loved ones.

Shield with a family

How much life insurance is enough? Use this calculator to estimate the right amount of coverage for your family’s future.

Focusing on what truly matters to you

At Flagstar Wealth Services, you’ll find financial guidance tailored to your unique goals. We can help you balance saving for the short term with investing for the future—always with your goals and comfort level as our North Star.

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Earn 3.30% APY1 with Flagstar Performance Savings

Grow your money with a great savings rate.
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Earn up to 3.80% APY2 with a CD

Explore our wide range of CD account terms that can help you earn more interest.
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Checking Accounts

Explore our personal checking account options to find the right fit for you. 

*Withdrawals and loans will reduce the policy value and death benefit and may have tax implications if not managed properly. Policy owners should consult a tax advisor about potential impacts.

Flagstar Performance Savings

1Annual Percentage Yield (APY) is accurate as of 6/4/2026. Tier 1 $0 – $9,999.99 features an annual percentage yield of 0.10%. Tier 2 $10,000.00 – $24,999.99 features an annual percentage yield of 0.10%. Tier 3 $25,000.00 – $49,999.99 features an annual percentage yield of 3.30%. Tier 4 $50,000.00 – $99,999.99 features an annual percentage yield of 3.30%. Tier 5 $100,000.00 – $499,999.99 features an annual percentage yield of 3.30%. Tier 6 $500,000.00+ features an annual percentage yield of 3.30%. The interest rate(s) and annual percentage yield(s) are variable and may change at any time before or after the account is opened. Initial minimum opening deposit to earn the higher interest rate on the Flagstar Performance Savings account is $25,000 and must be “new money,” which is defined as money that is not currently on deposit in any Flagstar Bank account (except maturing CDs). Additionally, (i) account must be funded within 90 days of the approval date, and (ii) early account closure fee may be imposed for accounts closed within 180 days. A maintenance service charge of $15 will be imposed every statement cycle if the average daily collected balance in the account is less than $10,000. The maintenance service charge will be waived if you are the tax reported owner on this account and you are an owner on a Flagstar personal checking account. Fees may reduce earnings. Personal accounts only. Limited time offer. Area restrictions may apply. If you are a Private Bank client, please contact your Private Client Group to enroll.

2Annual Percentage Yield (APY). 3.80% APY is accurate as of 6/4/2026 and available as a 12-month term. Fees could reduce earnings. Withdrawals may result in imposition of applicable early withdrawal penalties. $500 minimum opening deposit required. Maximum deposit is $10 million. 'New Money' is defined as funds that are not currently deposited in any account at Flagstar Bank. Not available for public units or Business CDs. Certain restrictions, including area restrictions, may apply. Offer subject to change or cancellation at any time without notice. Must present offer at account opening. Limited-time offer. Important information will be provided to you in the disclosures you receive during the account opening process. Please contact your local branch for more information.