Stop guessing with life insurance. Round numbers aren’t a plan — they’re a placeholder.
Use DIME to get a real target:
D = Debt (credit cards, car loans, personal loans, final expenses)
I = Income (typically 7–10 years of replacement, based on age + savings)
M = Mortgage (can your spouse keep the house without strain?)
E = Education (future college costs for each child)
Add it up. That’s your number. For most young families, term insurance is the most efficient fit for those high-responsibility years: affordable, simple, and built to protect the plan.
Life insurance isn’t about a windfall. It’s about stability. If you haven’t recalculated lately, it’s time.
Have a question or want help understanding your options when it comes to life insurance? Contact us today to schedule a complimentary Q&A with one of our team members.
