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Coverage calculator

How much life insurance do you actually need?

A two-minute estimate using the DIME method (Debt + Income + Mortgage + Education). Adjust the numbers below to match your situation, and I'll be back to you within a business day to talk through what fits.

About you

A few quick things.

I'm licensed in seven states. If yours isn't listed, I can sometimes refer you to someone or get licensed in your state.
For a quick call when it's convenient.
If you'd rather start by message.
Either is fine — I just need at least one way to reach you.
Your situation

Update the numbers below to match your reality.

Defaults are loaded so you can see how the math works. Round to the nearest thousand. Skip anything that doesn't apply by setting it to 0.

Your individual pre-tax income. If you have a partner, just use your income — we're sizing coverage on what your family would lose if your income disappeared.
$
Most experts suggest 10–15 years. Lower it if you're closer to retirement; raise it if you have young kids and a long working life ahead.
years
What you still owe on your home.
$
Credit cards, car loans, student loans.
$
Anyone who relies on your income.
$100K covers in-state public 4-year. Adjust as needed.
$
Total of all policies (work + personal). Default of $50K assumes typical group life through an employer.
$
Estimated coverage gap
$0
Includes 10 years of income replacement.

No marketing emails. No mailing lists. I'll be in touch within one business day, and only about your insurance question.

By submitting this form, you agree that Lia McDonald Agency may contact you by phone, text, or email about your inquiry. Standard message and data rates may apply. Reply STOP to any text to opt out, or just tell me and I'll stop. See our privacy policy and communications policy.

Please share either a phone number or an email — I need at least one way to reach you.
✓

Thanks — I'll be in touch.

I'll review your situation and reach out within one business day to talk through what fits.

Based on what you shared, your estimated coverage gap:
$0

This is just an estimate using common rules of thumb — not a quote. We'll talk through what actually fits your situation when we connect.

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A few honest notes

What this is — and what it isn't.

It's an estimate, not a quote

The number above adds your major obligations (mortgage, debt, education, final expenses) plus your years of income replacement, then subtracts what you already have. Real policy quotes depend on your age, health, the carrier, and what you actually want covered.

Why "10× income" usually isn't enough

Simple multiplier rules (like 10× annual income) ignore your actual debts, your mortgage, and what it would cost to put your kids through school. The DIME method adds those obligations explicitly — which is why the number is usually higher than people expect.

Your information stays with me

What you send goes directly to me — not to a marketing list, not to a third-party broker pool, not to anyone else. I'm the only person who'll reach out.

You're not committed to anything

The form starts a conversation. That's it. If we talk and decide nothing needs to change, we end there. No follow-up campaigns, no pressure.