How much life insurance do you actually need?
Answer a few questions and a licensed agent will talk you through a coverage need range built on the standard DIME method (Debt, Income, Mortgage, Education). It's a starting point for a conversation — not a quote, and not a product recommendation.
By submitting, you agree a licensed agent may contact you. Full consent terms appear in the form.
Prefer to talk? Call (954) 999-2673
How the coverage range is worked out
We use the DIME method — Debt, Income, Mortgage, Education — the same framework most licensed agents start from. It adds up what your family would need to replace: your income for the years they'd depend on it, your mortgage balance, other outstanding debts, and an allowance for education costs if you have children. It then subtracts what you already have in place: existing life insurance and liquid savings.
The result is a range, not a single number, because your situation isn't a single number either. Two families with identical incomes can need very different coverage depending on debt, savings, and how many years of support are actually at stake.
What this range is — and isn't
This is a starting point for a conversation. It is not a quote, an application, or an offer of coverage. It doesn't account for your health, your carrier options, or the specific policy design that would fit your goals. What it does is put a defensible number in front of you before anyone tries to sell you one.
When you're ready, a licensed agent will build a carrier-approved illustration using your actual numbers.
This page is for educational purposes only and is not a quote, an application, or a policy illustration. Coverage amounts shown are general estimates based on common planning guidelines (the DIME method) and do not account for your full financial picture. Actual availability, pricing, and terms are determined by the issuing carrier and are subject to underwriting. A personalized, carrier-approved illustration will be provided by a licensed agent before any purchase. Full American Financial is an independent insurance agency. Bryson H Jones, licensed in Florida, license #W234699.