ProtectionHLV% DIME
Life Insurance Coverage Calculator
Compare three approaches—Rule of Thumb, DIME, and Human Life Value—then use the highest net result as a practical coverage target.
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Quick presets
Inputs
Methodology (plain-English)
Rule of Thumb: quick starting point (e.g., 10–15× income) plus big goals/liabilities, minus what you already have.
DIME: Debt + Income×Years + Mortgage + Education (+ final) − existing.
Human Life Value: present value of future earnings (optionally growing), plus goals/liabilities, minus existing assets/coverage.
Educational only—not advice.
Suggested coverage
Target amount (max across methods)
$2,660,000.00
Nearest common policy tier
$2,750,000.00$2,750,000.00$2,750,000.00
Rule of Thumb
$1,435,000.00
- 10 × income
- + mortgage + education + final
- − existing savings/coverage
DIME
$2,660,000.00
- Debt + Income×Years
- + Mortgage + Education + Final
- − existing
Human Life Value
$2,095,628.95
- PV of future income
- + liabilities/goals
- − existing
Tip: Revisit coverage after big life events or yearly during open enrollment.