Life insurance you actually need.
The DIME method, modernized. Skip the agent guessing — see your real number in 60 seconds.
Based on DIME (Debt, Income, Mortgage, Education) — the framework financial planners actually use, not a quick rule-of-thumb.
Common questions
What is the DIME method?
DIME stands for Debt, Income, Mortgage, and Education — the four categories of financial obligations life insurance should cover. It's the framework used by independent financial planners and is more accurate than the old '10x your income' rule.
Term or whole life insurance?
For most people, term life is the right answer. It's 5–10x cheaper than whole life for the same coverage, and most families don't need coverage past age 65 once kids are grown and the mortgage is paid. Buy term, invest the difference.
How long should my term be?
Match the term to your longest financial obligation. If you have a newborn and a 30-year mortgage, a 30-year term makes sense. Most people in their 30s/40s do well with 20–30 year terms.
Do I really need life insurance if I'm single with no kids?
Usually no — unless you have co-signed debt (private student loans with a parent), shared business obligations, or want to leave a legacy. Otherwise your savings will likely cover final expenses.