Know Exactly How Much Coverage You Need
Stop guessing with the "10x income" rule. Our optimizer runs DIME and Human Life Value analysis, Monte Carlo survival simulation, and carrier comparison scoring to find your precise coverage need. 42% of Americans are underinsured -- powered by SOA mortality tables and NAIC data.
Free basic estimate. No signup required. Data from SOA, SSA, NAIC, BLS.
Actuarial-Grade Analysis, Accessible to Everyone
The same coverage sizing methods used by Certified Divorce Financial Analysts and insurance actuaries -- applied to your specific financial obligations and family situation.
DIME Method Analysis
Debt + Income replacement + Mortgage payoff + Education costs. The comprehensive needs framework used by certified financial planners, calibrated to your specific obligations.
Human Life Value Engine
Present value of your future after-tax earnings stream, weighted by SOA mortality probabilities at each age. The actuarial gold standard for coverage sizing.
Coverage Gap Analyzer
Compare your calculated need against existing group life, individual policies, savings, and spouse income. See exactly where you are underinsured -- and by how much.
Monte Carlo Survival Simulation
10,000-iteration simulation using SOA mortality tables models the probability of a claim during your policy term. See coverage adequacy at P10 through P90 confidence levels.
Carrier Comparison Scoring
Carriers ranked by composite score: NAIC complaint ratio (20%), AM Best financial strength (25%), estimated premium (40%), and policy features (15%). Data, not advertisements.
Underwriting Risk Prediction
Predict your likely risk class -- Preferred Plus through Substandard -- based on age, BMI, smoking status, family history, and health conditions. Know what to expect before you apply.
How It Works
Enter Your Profile
Age, income, debts, dependents, existing coverage, and optional health factors. Takes about 4 minutes.
We Analyze Your Needs
DIME calculation, Human Life Value analysis, coverage gap detection, Monte Carlo simulation, underwriting prediction, and carrier scoring -- all automated.
See Your Recommendation
Exact coverage amount, optimal term length, top-ranked carriers by composite score, and a downloadable PDF with the full actuarial analysis.
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Ready to Find Your Right Coverage?
Enter your financial profile and get a complete coverage analysis in minutes. DIME and HLV comparison, coverage gap detection, carrier rankings, underwriting prediction, and term length optimization -- all in one report.
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