How much life insurance do I need?
Adjust the numbers to match your life. Your result updates as you type.
Until your youngest is independent, or you retire
Car loans, credit cards, student loans
Funeral and end-of-life costs
Including coverage through work
About this calculator
What is the DIME method?
DIME adds up Debts, Income replacement, Mortgage and Education costs to estimate coverage. This calculator uses DIME plus final expenses, then subtracts savings and existing coverage.
Should I count coverage from work?
Yes, but cautiously. Group life coverage usually ends when you leave the job, so many people buy their own policy to cover the full need and treat work coverage as a bonus.
Should both spouses have coverage?
Usually. A stay-at-home parent provides childcare and household work that would be expensive to replace, so coverage on both spouses is common.
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