Coverage calculator
How much coverage do you actually need?
A quick DIME-method estimate based on your income, debt, and dependents — plus ballpark premium ranges for the products that typically fit.
How much coverage do you actually need?
Answer a few questions. We'll estimate your coverage gap and show you a couple of policy shapes that could fill it.
- 2 dependents rely on your income. Without coverage, they lose $85K/year overnight.
- $250K in mortgage and debt would fall to your family if you're gone.
- Your current coverage ($0) leaves roughly a $1.3M gap.
Most coverage per dollar.
Covers the years your family is most financially dependent on you — mortgage, kids at home, income earning years.
Guaranteed lifelong coverage + cash value.
A permanent foundation that never expires, builds tax-deferred cash value, and can pay dividends.
Market-linked growth with a 0% floor.
Permanent coverage plus flexible cash value that can supplement retirement income later.
Estimates only. Actual premiums depend on your health, gender, tobacco use, state, carrier, and how the policy is designed. These figures are for education, not a quote or an offer of insurance. Talk with a licensed agent for an accurate proposal.