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The DIME method explained — and why most people are dramatically underinsured.
Life insurance isn't about you; it's about the people you leave behind. But how much coverage is enough? The old "10 times your salary" rule of thumb is often dangerously inaccurate.
The DIME method is a more precise way to calculate your needs:
A "10x salary" rule doesn't account for specific debts, the number of children you have, or whether your spouse also works. DIME provides a more personalized assessment of your family's unique situation.
For 95% of people, term life insurance is the most cost-effective choice. It provides the most coverage for the least amount of money during the years you need it most.
Calculate your exact gap with our Life Insurance Needs Calculator.
Financial Expert
Our editorial team is dedicated to providing clear, accurate, and actionable financial advice to help you navigate your financial journey with confidence. We bridge the gap between complex numbers and real-life goals.