General · Insurance

Life insurance needs calculator.

Estimate a starting life insurance coverage amount using the DIME method — Debt, Income replacement, Mortgage, and Education. A widely-taught industry guideline for a first number, not a personalized recommendation.

Inputs

Debt (D) & mortgage (M)

Other debt (credit cards, car loans, etc.)

Remaining mortgage balance

Income replacement (I)

Annual income to replace

Years of income to replace

Education (E)

Number of children

Estimated education cost per child

Existing resources (optional)

Current life insurance coverage

Savings/investments earmarked for this

Estimated coverage need

Fill the form and press Calculate.

Disclaimer

This is an educational estimate only — not an insurance quote, policy illustration, or financial advice. The DIME method (Debt, Income, Mortgage, Education) is a widely-taught industry guideline for a starting coverage figure; insurers and advisors describe it as "a starting point," and your real needs depend on your full financial picture, health, dependents, and goals. Talk to a licensed life insurance advisor for a personalized recommendation and an actual quote.