Free Coverage Calculator

How Much Life Insurance
Does Your Family Actually Need?

Most people guess. The DIME method gives you a real number based on your actual financial picture. Takes about 2 minutes. Then get a personalized quote from Robert.

The DIME Method

Four numbers that tell the whole story

The most common mistake people make with life insurance is guessing at a round number. The DIME method accounts for every financial obligation your family would face if you were gone tomorrow.

D
Debt
All outstanding debts your family would need to pay off, not including your mortgage. Car loans, credit cards, student loans, medical bills.
I
Income
Your annual income multiplied by the number of years your family would need support. The standard baseline is 10 to 12 times your income.
M
Mortgage
The remaining balance on your home loan. This ensures your family can stay in the house without the burden of a mortgage payment.
E
Education
Estimated cost for your children to attend college. A reasonable estimate is $100,000 to $150,000 per child for a 4-year degree.

Your DIME Calculator

Enter your numbers below. Your results stay on your screen and are never saved until you choose to request a quote.

Total debt excluding mortgage (car loans, credit cards, student loans, etc.)
$
Your current annual gross income (before taxes)
$
Remaining balance on your home loan (enter 0 if renting or paid off)
$
Estimated college costs for your children (roughly $100K to $150K per child)
$
Quick estimate: If you earn $75,000/year and have 2 kids, a starting point would be: $75,000 income, $20,000 debt, $300,000 mortgage, $200,000 education. That puts your DIME total around $1,270,000 at 10x income.
Here is what your family would need
Debt
$0
Income (10x)
$0
Mortgage
$0
Education
$0
Your Recommended Coverage
$0
Based on the DIME method at 10x income
This number is your starting point. Robert will review your full picture and recommend the right policy type, coverage amount, and carriers for your situation. No pressure, just real guidance.

Get Your Free Quote

Tell Robert a little about your situation and goals. He reviews every submission personally and follows up the same day.

Your DIME total has been added to your quote request automatically.
What are your main goals? (Select all that apply)

Robert reviews every submission personally. No automated responses, no sales team.

Robert has your request.

He reviews every submission personally and will follow up the same day, usually within a few hours. If you need him sooner:

(209) 679-6231