Debt & Final Expenses
All outstanding debts your family would need to pay off, plus end-of-life costs. Mortgage is covered separately below.
Income Replacement
How many years of your income should the policy replace to cover your family's ongoing living costs?
Mortgage & Housing
Remaining home loan balance so your family can stay in their home without financial hardship.
Education Costs
Estimated funding needed for your children's education, from K–12 through college.
Existing Coverage & Assets
What you already have reduces your net coverage gap.
Disclaimer: This calculator provides an educational estimate only. Results are based solely on the information entered and the DIME formula. They do not constitute financial, legal, or insurance advice. Actual coverage needs vary based on inflation, investment returns, tax implications, and personal circumstances. Always consult a licensed financial advisor or insurance professional before making coverage decisions.
Ready to take the next step?
Your estimate is a starting point. A licensed advisor can tailor a plan to your specific goals, health, and budget.