- Fri, 19 June 2026
Use our free calculators to make smarter insurance decisions. No signup, no sales calls, just instant results.
Skip the "10× your salary" guesswork. Get a personalized coverage estimate based on your real obligations in under 60 seconds.
If something happened tomorrow, how many years would your family need to replace your income?
Include all non-mortgage debt — credit cards, auto loans, personal loans, and student loans.
Enter your remaining mortgage. Use 0 if you rent or own your home outright.
College costs vary: ~$25,000/yr for in-state public, up to $58,000/yr for private schools.
Existing savings, investments, and current life insurance reduce the additional coverage you need.
This calculator provides an estimate using the DIME method (Debt, Income, Mortgage, Education) and is for informational purposes only. It is not financial advice. Speak with a licensed insurance professional before purchasing a policy.
A contract between you and an insurer. You pay premiums, they pay your family if you die. Two types: term (cheap, expires) and whole (expensive, lifetime).
Debt + Income × years + Mortgage + Education = coverage need. Used by advisors. Our calculator does this instantly.
Required in most US states. Covers liability, collision, comprehensive. Average cost: $1,500/year.
A contract between you and an insurer. You pay premiums, they pay your family if you die. Two types: term (cheap, expires) and whole (expensive, lifetime).
Never settle for the first quote. Get at least 3-5 quotes from different companies to save up to 47% on premiums.
Higher deductibles = lower premiums but more out-of-pocket cost during claims. Find your sweet spot.
Combining auto + home insurance can save 10-25%. Most insurers offer multi-policy discounts.
Look at AM Best, Moody's ratings. A-rated companies pay claims more reliably than newer/smaller insurers.
Help you decide which type fits your needs
Common insurance terms explained in plain English
6 proven strategies to lower your insurance premiums
Find state-specific rates, laws, and insurance requirements
Honest tools, transparent process, no hidden agenda
Most experts recommend 10-15× your annual income, but the real answer depends on your debts, dependents, and existing savings. Our DIME method calculator gives you a personalized number in 60 seconds — accounting for income replacement, mortgage, education costs, and final expenses.
For most people, term life is better — it's 5-10× cheaper and covers you during high-need years (when you have kids, mortgage, etc.). Whole life only makes sense if you want lifetime coverage or have estate planning needs.
Yes, 100% free. No signup, no email collection, no hidden fees. We don't sell insurance — we just help you understand what you need. Our goal is to provide unbiased, educational tools.
Our calculators use industry-standard methods (like DIME for life insurance) and provide estimates within 10-15% of professional quotes. They're designed to give you a strong starting point.
No. We are not an insurance company, broker, or agent. We don't sell policies and we don't earn commissions from any insurance companies. Our mission is simply to provide free, honest, educational tools and guides to help you make informed decisions.
Absolutely. Our calculators don't collect, store, or share any of your personal information. Everything is processed locally in your browser. No email required, no account needed, no data tracking.
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