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Life Insurance Beneficiary Percentage Calculator

What this allocation check verifies: This calculator catches arithmetic gaps in two beneficiary tiers and translates percentages into dollar allocations for the benefit entered. It does not decide who should be named.

Check whether primary and contingent life insurance beneficiary percentages each total 100 percent before submitting a designation.

Calculations stay in your browser. Do not enter names, policy numbers or medical information. Review calculator privacy.
Primary and contingent beneficiary groups arranged into percentage tiers

Check both beneficiary tiers

Use labels only. Do not enter beneficiary names, policy numbers or other personal data.

Primary tier

Receives the benefit when the policy's primary-beneficiary conditions are met.

Contingent tier

Receives the benefit only when the policy's contingent-beneficiary conditions are met.

Each beneficiary tier has its own 100 percent total

Primary percentages are added together. Contingent percentages are calculated separately. One tier does not fill a shortage or offset an excess in the other.

Allocation example

Two primary beneficiaries at 50 percent each form a complete primary tier. Contingent beneficiaries are calculated separately and should also total exactly 100 percent.

Is this the right calculator for your designation form?

Use it for arithmetic

Use this page to check that primary and contingent beneficiary tiers each add to exactly 100 percent before submitting a form.

Use legal guidance for suitability

It checks arithmetic only and cannot validate legal wording, trusts, minors or special-needs planning. Use the beneficiary guide for those decision points.

Read the life insurance beneficiary guide

What a correct total cannot prove

  • Names, legal capacity and distribution language are not validated.
  • Minor beneficiaries, trusts and special-needs planning require individual legal advice.
  • Confirm that the insurer accepted the updated designation and save the confirmation.

Beneficiary allocation questions

Do primary and contingent beneficiaries share one total?

No. Each tier is checked separately. Primary beneficiaries should total 100 percent, and contingent beneficiaries should also total 100 percent.

Does a correct percentage make a designation legally suitable?

No. The tool checks arithmetic only. Trusts, minors, special-needs planning and distribution wording can require legal advice.

Related life insurance guidance

Read life insurance beneficiary guide and confirm terminology in the life insurance glossary.