Life Insurance Needs Calculator
The rule of thumb says 10x your income. That rule is wrong for most families. Here's what you actually need.
Your Family
Why the 10x Rule Fails
A family with $75K income, $250K mortgage, $30K debt, and 2 kids needs way more than $750K. The 10x rule ignores debt, ignores college, ignores inflation. I've seen families with $500K policies lose their homes because the mortgage ate half the payout in year one.