Life Insurance Needs Calculator
$27.00
How much life insurance do you actually need — not what a broker tells you to buy? The Life Insurance Needs Calculator models your family’s true income replacement, debt coverage, and education funding requirements to give you a defensible number.
Description
Who This Is For
Anyone with dependents, a mortgage, or financial obligations who wants to determine the right coverage amount — and avoid being over-sold or dangerously under-insured.
What You Get
- DIME method calculator: Debt, Income replacement, Mortgage payoff, Education funding
- Income replacement modeler: years of income, inflation-adjusted
- Existing coverage gap analysis: what you have vs. what you need
- Term vs. permanent tradeoff calculator: cost comparison over time
- Two-income household scenarios: what happens if either partner dies
- Survivor budget builder: what would it cost to maintain your family’s lifestyle?
- Coverage review checklist: events that should trigger a policy re-evaluation
Format
Interactive spreadsheet (Excel / Google Sheets compatible). Instant download.
Why It Matters
The industry rule-of-thumb (“10x your salary”) is almost always wrong for your specific situation. This tool replaces the shortcut with real math tailored to your family.
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