Answer 5 questions. Get your recommended coverage amount — plus an estimated monthly rate — in under 60 seconds. Free, instant, no personal info required.
Your total pre-tax income per year
We add $60K education fund per child
Most experts recommend 10–20 years
Remaining balance on your home loan
Car loans, credit cards, student loans, etc.
Rate estimates are for 20-year term, standard health, non-smoker. Actual rates set at underwriting.
Based on the DIME method — widely used by financial advisors
20-yr term · standard health · non-smoker estimate. Real rates may be lower.
No personal info required to get a quote · Texas residents only
We use the DIME method — the same framework financial advisors and CFPs recommend for calculating life insurance needs.
All debts your family would inherit — credit cards, car loans, student loans, and any personal loans.
Ex: $45,000 in auto + credit card debt
Your annual income multiplied by the number of years your family would need financial support.
Ex: $75K × 20 years = $1.5M
The remaining balance on your home loan. Your family deserves to stay in their home — free and clear.
Ex: $280,000 remaining balance
College costs for each child. Average in-state Texas university runs ~$60,000 for 4 years.
Ex: 2 kids × $60K = $120,000
20-year term · $500,000 coverage · standard health · non-smoker · indicative only
Indicative rates. Actual premiums depend on health history, tobacco use, and carrier underwriting. Get your exact rate free at /quote.
This calculator estimates your needs. Your actual price is set by the carrier — and it may be lower than you think. Get your real quote in 2 minutes, free.
TX Licensed Agency #2608479TX · Tower Hill carrier network A++ · No personal info to start