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.

Fast presetsAdvanced assumptionsClear breakdown

Annual Income

Years to Replace Income

Debts (non-mortgage)

Mortgage Balance

Education Goal

Final Expenses

Existing Savings / Investments

Existing Life Insurance

Show advanced assumptions (discount & inflation)

Rule-of-thumb multiple

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.

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

DIME

$2,660,000.00

Human Life Value

$2,095,628.95

Tip: Revisit coverage after big life events or yearly during open enrollment.

Get real-time entries, exits, and risk levels with daily context and timing.

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