Life Insurance Calculator

The DIME method — the same framework agents use. Get your number plus a recommended term length.

D — Debt (non-mortgage)

Total debts excluding mortgage ($)

Final expenses — funeral, legal ($)

I — Income replacement

Annual income to replace ($)

Years of income needed

M — Mortgage balance

Remaining mortgage ($)

E — Education & extras

Education fund per child ($)

Number of children

Age of youngest child

Already covered

Existing life insurance ($)

Liquid savings / investments ($)

Recommended coverage

Your DIME breakdown

⏱️ Recommended term length: years

💰 Rough monthly cost (healthy non-smoker, age 35)

Term life (recommended term)	—
Term life — 10 year	—
Whole life (lifetime)	—

Term is typically 8–12× cheaper than whole life for the same coverage. Actual rates depend on age, health, and smoking status.

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Estimates only — not financial advice. This is a simplified planning framework, not a recommendation to buy any product. Insurance needs are personal; speak with a licensed insurance agent or advisor.