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💚 Life Insurance Calculator
Estimate how much coverage your family needs.
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⚠️ Important: This is an estimate only. Actual premiums depend on health, lifestyle, and insurer. Get quotes from multiple companies.
💡 Rule of Thumb: Most experts recommend 10-12x your annual income in life insurance coverage.
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How Much Life Insurance Do You Need?
Life insurance provides financial protection for your loved ones. The right coverage amount depends on your income, debts, and how many people depend on you financially.
Common Rules of Thumb
- 10-12x income: Most financial advisors recommend coverage equal to 10-12 times your annual income
- DIME method: Calculate Debt + Income replacement + Mortgage + Education costs
- Human Life Value: Consider the total future earnings you'd provide