Life Insurance Calculator | Lampel Odeste

Lampel Odeste

Licensed Life Insurance Agent — BC & Ontario | Experior Financial Group (MGA)

Privacy Policy

Effective Date: May 2026 | Last Updated: May 2026

Lampel Odeste is committed to protecting your personal information in compliance with PIPEDA, BC’s PIPA, and Ontario’s privacy legislation.

1. Information We Collect

We collect information you provide when completing forms, booking consultations, or contacting us — including name, email, phone, province, and insurance details. We also collect standard web analytics data automatically.

2. How We Use Your Information

We use your information to respond to inquiries, schedule consultations, provide insurance education, and comply with legal obligations. We only contact you for marketing with your consent under CASL.

3. CASL Compliance

We only send commercial messages with your express or implied consent. Every message includes an unsubscribe option, processed within 10 business days.

4. Disclosure

We do not sell your information. We share it only with trusted service providers, Experior Financial Group, applicable insurance carriers, or as required by law.

5. Your Rights

You may access, correct, or request deletion of your information. Contact us at [email protected].

6. Contact Us

Lampel Odeste
Licensed Life Insurance Agent — BC & Ontario | Experior Financial Group (MGA)
Email: [email protected] | Phone: +1 (236) 562-6142
Privacy Commissioner: www.priv.gc.ca | 1-800-282-1376

Lampel Odeste

Licensed Life Insurance Agent — BC & Ontario | Experior Financial Group (MGA)

Terms of Service

Effective Date: May 2026 | Last Updated: May 2026

By accessing lampelodeste.ca or requesting a consultation, you agree to these terms.

1. About Us

Lampel Odeste is a Licensed Life Insurance Agent in BC and Ontario under Experior Financial Group (MGA). Nothing on this website constitutes financial, investment, tax, or legal advice.

2. What We Offer

Life insurance education and coverage reviews
Product recommendations based on eligibility
Assistance with applications through licensed carriers

3. No Guarantee

Booking a consultation does not guarantee coverage eligibility. Eligibility is determined by the carrier’s underwriting criteria.

4. Limitation of Liability

Lampel Odeste is not liable for damages arising from use of our website or reliance on educational content.

5. Governing Law

These terms are governed by the laws of British Columbia and applicable federal laws of Canada.

6. Contact Us

Lampel Odeste
Licensed Life Insurance Agent — BC & Ontario | Experior Financial Group (MGA)
Email: [email protected] | Phone: +1 (236) 562-6142

Life Insurance Calculator

Answer 5 quick questions to get your free personalized coverage estimate.

Personal Income Debts Future Assets Results

Tell us about yourself

Let's start with some basic information.

First Name *

Last Name *

Email Address *

Phone Number

Date of Birth *

Province / Territory *

Marital Status *

Number of Dependents *

Step 1 of 5

Your Income

This helps estimate how much your family financially depends on you.

Your Annual Gross Income *

Spouse / Partner Annual Income (after tax)

Years Until Retirement * (approx.)

Step 2 of 5

Debts & Immediate Needs

What would need to be covered immediately if you were no longer here?

Final Expenses

Funeral & Estate Costs (typical: $10,000–$20,000)

Outstanding Debts & Loans

Mortgage Balance

Car Loan(s)

Credit Cards & Lines of Credit

Other Loans (student, personal, business & other)

Emergency Fund

Emergency Fund Required (enter your target: 3–6 × monthly expenses — e.g. $5,000/mo = $15,000–$30,000)

Step 3 of 5

Future & Ongoing Needs

How much would your family need to maintain their lifestyle going forward?

% of Income Your Family Would Need *

Most families need 70–80% of current income to maintain their lifestyle. Your annual dollar amount is calculated automatically from your income in Step 2.

Years of Income Support Needed * (until youngest is independent)

Education Fund

Children's Post-Secondary Education Fund (total for all children)

In BC, budget $85,000–$100,000+ per child for a 4-year university degree (tuition + residence + living). College or trade programs typically run $15,000–$40,000. Costs rise ~3%/year. For other provinces, reach out to Savvy for a full breakdown.

How much of this do you plan to fund?

Many families expect children to contribute through part-time work, student loans, or RESP savings. Select what portion you intend to provide.

Step 4 of 5

Your Existing Resources

These assets reduce how much additional coverage you actually need.

Life Insurance Coverage

Your Life Insurance Coverage (all individual policies)

Spouse / Partner Life Insurance Coverage

I also have Critical Illness or other coverage

Critical Illness & Other Coverage

Your Critical Illness Coverage

Spouse / Partner Critical Illness Coverage

Other Coverage (group benefits, disability insurance, etc.)

Family Savings & Assets

Savings & Investments (RRSP, TFSA, non-registered — combined family total)

Other Liquid Assets (pension lump sum, rental income fund, etc. — combined family total)

I agree to be contacted by a Lampel Odeste advisor about my insurance coverage needs. I have read and agree to the and . *

Additional Comments or Questions

Step 5 of 5

Your Insurance Coverage Estimate

Based on your inputs, here is your personalized life insurance needs estimate.

Recommended Coverage

This is an estimate — your advisor will refine this for your situation.

Category	Amount

Ready to get protected?

One of our advisors will review your results and find the right plan for you — at no cost.

* This insurance calculator provides an estimate only and does not constitute financial or insurance advice. Individual circumstances vary significantly. Please consult a licensed insurance advisor for a personalized assessment. Lampel Odeste is a Licensed Life Insurance Agent in BC & Ontario under Experior Financial Group (MGA). All amounts are in Canadian dollars (CAD).

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