Uses DIME Method + 2025 Data
Life Insurance Needs Calculator
Calculate your coverage needs using the industry-standard DIME method: Debt + Income + Mortgage + Education.
10-12xincome recommended
$275,000avg coverage purchased
Your Financial Information
Your current annual income your family would need to replace
How many years should your income be replaced? (10-20 is typical)
Based on 4-year public in-state avg: $26,820/yr (College Board 2025)
Existing Resources (subtract from needs)
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Calculate Your Coverage Needs
Complete the form to see how much life insurance your family needs using the DIME method.
The DIME Method:
- Debt - Pay off mortgage, loans, credit cards
- Income - Replace 10-12 years of earnings
- Mortgage - Ensure home is paid off
- Education - Fund children's college
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