Free tool

Premium budget & coverage needs

Find a premium budget that fits your household, then estimate the life coverage you actually need with the DIME method (Debt, Income, Mortgage, Education).

Monthly premium budget

Household take-home income ($/mo)

Debt payments ($/mo)

Essential living expenses ($/mo)

Suggested premium budget

$200–$375 /mo

$2,500 left each month · DTI 31%

Life coverage needs (DIME)

Non-mortgage debt ($)

Annual income, 10 years replaced ($)

Mortgage balance ($)

Education fund for children ($)

Existing life coverage ($)

Suggested life coverage

$1,480,000

Get a life quote at this coverage