Interactive tool

How Much Life Insurance Do You Need?

The DIME framework: Debt + Income + Mortgage + Education, minus what you already have.

Life Insurance Needs Estimator

Uses the DIME framework: Debt + Income replacement + Mortgage + Education. Subtracts existing coverage and savings to estimate your gap.

Annual income

Years of income to replace

Remaining mortgage / debt

Kids to fund through college

Final expenses

Existing life coverage

Savings & investments available

Estimated total need

$1,315,000

Coverage gap to fill

$1,165,000

After existing coverage and savings

Estimate only. A licensed agent can refine this with carrier-specific underwriting + tax-efficient structuring.

Ready when you are

45-minute consultations at no cost - in person, on the phone, or by video. No pressure, just honest answers.