Calculator
How much coverage do you actually need?
A 30-second estimate using the DIME method (Debt + Income + Mortgage + Education). This is a starting point — your real number depends on your specific situation.
How this calculator works
It uses the DIME method, a common starting framework that adds:
- Debt — non-mortgage debts your family would face
- Income — your annual income × the number of years you want to replace
- Mortgage — the remaining balance, so the family can stay in the home
- Education — a flat $50K per dependent for future schooling support
From that subtotal, we subtract any existing coverage you already have. The result is a starting estimate — most families end up within 20% of it once we factor health, age, and goals into a real conversation.
Start with the free Will Kit. No pressure, no obligation.
We'll mail your kit, then schedule a 15-minute review whenever you're ready.