Estimate Your Life Insurance Premium
10 Years
20 Years
30 Years
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per month
$0
Total Premiums Paid
$0
Coverage Amount
0x
Coverage-to-Premium Ratio
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Cost Per Day
Estimates based on 2026 actuarial averages for non-medical exam term life policies. Actual premiums require a full underwriting review. Rates shown assume standard health class.
How Much Life Insurance Do You Need?
The standard rule: 10–12x your annual income. But the real answer depends on your specific situation.
DIME Method
Debt + Income (10x) + Mortgage + Education costs
Income Rule
10–12x annual income as a simple starting point
Young Family
$500k–$1M is common for ages 25–40 with dependents
Pre-Retiree
Focus on mortgage payoff + final expenses ($100–$250k)