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US Life Insurance Calculator
Pre-filled with typical US figures — change them to yours.
US Life Insurance Calculator
DIME method
$1,140,000
10× income rule
$800,000
15× income rule
$1,200,000
Lump sums − assets
$340,000
HLV = present value of the income your family needs until your chosen age (at the real return after inflation) + debts, mortgage, education and final expenses − savings and existing cover. Term insurance is the cheapest way to buy this cover. An estimate, not financial advice.
Estimates for planning only — not insurance, financial or tax advice. Premiums, rules and benefits vary by insurer and change; confirm with your insurer or a licensed adviser. Disclaimer
Cover by income (US)
- $40k income: $950,000
- $60k income: $1,250,000
- $80k income: $1,550,000
- $100k income: $1,850,000
- $120k income: $2,150,000
- $150k income: $2,550,000
- $200k income: $3,300,000
Estimates built on public formulas and published limits — not a quote and not financial advice. Premiums depend on the insurer’s underwriting.