Free tool
How much life insurance do you actually need?
Use the DIME method to calculate your real coverage gap. Takes 2 minutes.
The DIME formula
D
Debt
All outstanding debts: mortgage, car loans, student loans, credit cards
I
Income
Your annual income multiplied by the years your family needs support (typically 10)
M
Mortgage
Outstanding mortgage balance so your family can stay in the home
E
Education
Estimated education costs for children (roughly $60K per child for in-state college)
Then subtract your existing life insurance and liquid assets. The remainder is your coverage gap.
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