Retirement calculator
Life Insurance Needs
We estimate life insurance needs with the widely used DIME method: Debt + Income + Mortgage + Education, minus any coverage you already have.
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Life Insurance Needs
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Identifies new prospects through ProspectMatch
Every visitor who runs the Life Insurance Needs can be identified — a verified email at minimum, often a full name and postal address — and added to your prospects in ProspectMatch. No form fill required.
The method
How it works
01
Income: your annual income times the number of years you want to replace it.
02
Debt & Mortgage: outstanding mortgage plus other debts.
03
Education: estimated future education costs you want covered.
04
We add those, then subtract your existing coverage; a positive result is your coverage gap.
need = (annualIncome × years) + mortgage + otherDebts + education − existingCoverage (floored at 0).
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