Calculator

How Much Term Life Do You Need?

Two methods, one number. The DIME method adds up what your death would leave behind; the income method multiplies what you earn. Use the larger — then round to the amount your budget allows.

The DIME Method

$15,000
$65,000
10 yrs
$250,000
$100,000
$50,000
$965,000

Illustrative planning math, not advice. Carriers cap coverage at a multiple of income that falls with age; an agent fits the number to what is issuable.

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The Income Method

Multiply annual income by 10 (more with young children, less near retirement). At $65,000 that is $650,000. Simpler, but blind to debt and goals, which is why DIME usually lands higher.

The pieces of a typical DIME estimate at the default inputs above.

Why Most Households Are Short

47% of households say they would feel the financial impact within six months if the primary wage earner died; only 29% would be secure for two years or more. 92 million adults — 70 million with no coverage and 22 million under-insured — are in the need gap.

Source: 2026 Insurance Barometer Study, LIMRA and Life Happens.

Ladder It

Need $1,000,000 for 10 years but only $400,000 for 25? Two policies — a 10-year $600,000 and a 25-year $400,000 — usually cost less than one 25-year $1,000,000, and coverage drops as your obligations do.

Three ways in

Pick The Door That Fits You

Talk To A Licensed Agent

Fastest way to a real number: 10 minutes, every carrier we represent, no pressure. Business hours, Eastern time.

Call 561-816-3446

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Tell us age, state, coverage and health in one short form. A licensed agent emails or texts quotes, then you decide.

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Quote & Apply On My Own

Prefer to do it yourself? Open a carrier tool, answer the questions, get a decision — many applicants in minutes.

You will leave this site for a carrier or partner tool. Any rate shown is an estimate until the carrier confirms it; the agent of record is Phamella Bauer (NPN 22053821), NovaVida Group.

Fidelity Life · InstaBrain Pure TermAges 18–60 · $50,000–$1,000,000 · 10/15/20/30-year terms · accelerated underwriting, decision online · 30-day free look
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Fidelity Life · InstaBrain Term With Living BenefitsTerm that can pay early for terminal illness (up to 90%, max $250,000) or chronic illness (up to 50%) — no extra premium; availability varies by state
Quote Living Benefits
EthosTerm life with instant decisions for many applicants; ages 18–69 per Ethos; 10/15/20/30-year terms
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Need more than $1,000,000, a 35- or 40-year term, or a carrier above? That is agent territory — call 561-816-3446 and we quote the full table.

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