60-Second Coverage Calculator

Find out exactly
how much coverage
your family actually needs.

Five sliders. Real math. No guesswork, no industry fluff — just the number that matters if you're not here tomorrow.

Your Age 30–39

Term life rates climb steeply with age — especially after 50. The honest version of "buy it now": every five years you wait, the price roughly doubles.

20s 30s 40s 50s 60+
Annual Income to Insure $75,000

The income your family depends on. If you stopped earning it tomorrow, this is what disappears.

$25K $100K $200K $300K
Years of Income to Protect (Term) 20 years

Until your youngest is financially independent — or until retirement. Term lengths typically run 10, 15, 20, 25, or 30 years.

10 yrs 15 yrs 20 yrs 25 yrs 30 yrs
Outstanding Debt $200,000

Mortgage balance, car loans, student debt — anything that doesn't disappear when you do.

$0 $150K $350K $600K
Number of Children 2 kids

$50,000 per child in future education costs is a conservative estimate. Adjust your mental model accordingly.

2
Existing Life Insurance $50,000

Include your employer's policy. Most workplace policies are $25K–$50K. That's 6–12 months of median household income.

None $100K $300K $500K
Recommended Coverage
$1,225,000
Income Replacement
Your income × your chosen years
$1,125,000
Debt Payoff
Mortgage + loans. Gone — not inherited.
$200,000
Final Expenses
Funeral, legal, estate costs. National avg.
$25,000
Education Fund
$50K per child. Conservative estimate.
$100,000
Existing Coverage
What you already have in place
$50,000
Coverage gap detected. Your existing policy covers only —% of your family's actual need. The other — would fall on them.
$32–$58 / mo
That's $1.50/day — about what most people spend on lunch twice a week. Still in the affordable window. Each year you wait raises this number ~5–8%.

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Typical Insurance

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This calculator uses the DIME method (Debt + Income replacement + Mortgage + Education) — a standard financial planning framework. Cost estimates use 2026 industry-aligned rates from MoneyGeek, Policygenius, NerdWallet, and Ramsey, and reflect 20-year term life policies for healthy nonsmokers in the selected age bracket. All figures are estimates for educational purposes and do not constitute a binding quote. Final rates depend on full underwriting review. Individual rates vary based on age, sex, health, smoking status, term length, and underwriting classification.