US Life Insurance Calculator
Estimate your premium · Analyze your coverage need · Compare all policy types
2026 actuarial rates · DIME method · LIMRA / Policygenius dataPersonal information
No
Yes (2–4× surcharge)
Coverage need — DIME method
The DIME method (Debt, Income, Mortgage/debts, Education) helps calculate how much coverage your family actually needs. Fill in your details for a recommendation.
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Fill in your details above and click Calculate to see your recommended coverage amount.
Coverage amount (death benefit)
Move slider or set manually. Use the DIME calculator above for a recommended amount.
Policy type
Term — 10 year
Pure death benefit. Expires after 10 years. Lowest possible premium.
Lowest cost
Term — 20 year
Most popular choice. Covers peak earning years and young families.
Most popular
Term — 30 year
Long coverage for young families, 30-year mortgages, young children.
Long-term
Whole life
Lifetime coverage + guaranteed cash value growth. Premiums never change.
Builds cash value
Universal life
Flexible premiums, adjustable benefit, interest-based cash value accumulation.
Most flexible
Policy riders & add-ons
Waives premiums if you become totally disabled
No
Yes (+3%)
Doubles payout for accidental death
No
Yes (+2%)
Lump sum on cancer, heart attack, stroke
No
Yes (+5%)