(559) 571-2525Roy Bryant | Big Time Insurance Agency | CA Lic. #4252813 | Agency Lic. #6016563

Big Time Insurance Agency

Coverage calculator · DIME method

How much coverage do I need?

Answer a few questions and see a recommended coverage amount plus Good, Better and Best levels to consider. It takes about two minutes.

Step 1 of 7Nothing is saved until you share

Debts

Do you have debts besides your mortgage?

Car loans, credit cards, student loans and personal loans. Round numbers are fine.

Add them up, or skip if you have none.

Income to replace

What is your annual income?

Before taxes. Then choose how many years your family would need it replaced.

Your yearly income before taxes.

Years to replace

How long your family would need that income.

Mortgage

What is left on your mortgage?

The balance on your home loan, so the house stays your family’s home.

Check your latest mortgage statement for the balance.

Education

Any education costs to cover?

Estimated college or training costs for your children.

Total for all children, or skip.

What you already have

What do you already have in place?

Existing coverage and savings are subtracted from your total need.

Include coverage through work.

Money your family could draw on.

Your estimated coverage need

Your results

Total recommended coverage

$0

Good / Better / Best coverage amounts

Good

$0

Mortgage payoff

Helps your family keep the home.

Recommended

Better

$0

Your full DIME need

Debts, income, mortgage and education, minus what you already have.

Best

$0

DIME plus a 15% cushion

Room for rising costs and the unexpected.

Amounts are rounded up to the nearest $5,000. These are coverage amounts only, not quotes.

Where should Roy send your numbers?

Share your results and a contact method. Roy will follow up to review Good / Better / Best options with you.

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Thank you. Your results are on their way to Roy.

The fastest next step is a free 20-minute coverage review, where Roy walks through Good / Better / Best options with you.

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How the calculator works

The DIME method

DIME is a widely used way to estimate how much life insurance a household may need. It adds up four things your family would have to cover, then subtracts what you already have.

Debts

Other debts your family would have to pay off, such as car loans and credit cards.

Income

Your annual income multiplied by the number of years your family would need it replaced.

Mortgage

The balance on your home loan, so the house stays your family’s home.

Education

Costs for your children’s college or training.

Recommended coverage = Debts + (Income × Years) + Mortgage + Education − Existing coverage − Savings

Book your free 20-minute coverage review

Roy Bryant | Big Time Insurance Agency | CA Lic. #4252813 | Agency Lic. #6016563

This calculator gives an educational estimate based only on the numbers you enter. It is not a quote, an offer of insurance, or financial, tax or legal advice, and it does not show premiums, rates or insurance companies. Your actual needs may differ. Coverage is subject to underwriting and eligibility.

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