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How much coverage do you actually need?

Work from what has to be replaced rather than a multiple of income. Fill in what you know and the number moves as you type. Nothing is sent anywhere.

Income your household would need to replace
The income the household would lose
How long the household needs that income to keep arriving
What would have to be paid off
What is still owed on the home
Credit cards, auto loans, student loans, anything a co-signer would inherit
Children and final costs
Prefilled at $47,800, four years of published tuition and fees at a public in-state university (College Board, 2025-26). Housing and food are extra. Change it to $180,000 for a private four-year.
Prefilled at the NFDA median for a funeral with viewing, burial and a vault
What is already in place
Include any group coverage through work
Cash and investments they could reach without selling the house
Estimated coverage need $0

    An estimate built on the DIME method: debt, income, mortgage, education, less what is already in place. It is a starting number for a conversation, not a recommendation, not advice, and not an offer of coverage. What a carrier will actually issue depends on underwriting.

    Price this amount

    Where the numbers come from

    The calculator uses the DIME method, which sizes coverage from four things a household actually has to pay: Debt, Income replacement, Mortgage and Education. It then subtracts the coverage already in force and the savings the family could reach. It is the same arithmetic a producer works through on a fact-finder, done in advance.

    Two fields arrive prefilled, and both are national averages rather than anything about you. Education is set to $47,800, which is four years of published tuition and fees at a public in-state university at the College Board’s 2025-26 average of $11,950 a year. Housing and food are not in that figure, so a household that expects to pay for those should raise it. A private four-year runs closer to $180,000 on the same basis. Final expenses are set to $9,995, the National Funeral Directors Association’s median for a funeral with viewing, burial and a vault. Cemetery costs are separate. Change either number to whatever fits your situation.

    Years of income replacement defaults to ten. That is a convention, not a rule. Use the number of years the household would genuinely need the income to keep arriving, which for a family with a young child is often closer to twenty.

    What this number is not

    It is an estimate. It is not a recommendation, not financial or legal advice, and not an offer of coverage. A carrier decides what it will issue based on underwriting, and the premium depends on your age, state, health and rate class. The useful thing about the figure is that it gives you and a producer somewhere honest to start.

    Two things the arithmetic cannot see. It does not price the work a non-earning parent does, which a household still has to pay for after a death, and it does not know whether your existing coverage is a policy you own or a group benefit that ends when the job does. Both are worth raising when you talk to someone.