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Answer six simple questions. Get an instant estimate based on your income, debts, and family. No email, no bots, no obligation.
Children, spouse, or other family members who depend on your income.
All calculations stay in your browser. Nothing is submitted.
Estimated coverage need
$1,050,000
Based on replacing 10 years of income and covering your existing obligations.
Coverage needed
After existing coverage is subtracted
$1,050,000
What this means
The figure above is an estimate of how much life insurance it would take to keep your family financially whole if you passed today: replacing your income for the chosen period, paying off your debts, covering kids’ education, and handling final expenses.
It’s a starting point. Your actual recommendation will depend on your risk tolerance, your partner’s income, and what you want your coverage to do: protect a mortgage window, fund retirement for a spouse, or simply give everyone a cushion.
The DIME framework
Debts
Mortgage, auto loans, credit cards
Income
Your annual income × years to replace
Mortgage
Included in debts unless you track it separately
Education
Per-child education fund for your dependents
Next steps
Apply your estimate to a real policy. A licensed agent will call within one business day with live carrier numbers.
Start a quoteWalk through your specific situation with a licensed Patriot agent. Free consultation, no obligation.
Contact an agentSee Whole Life, Term Life, and Final Expense side-by-side. Pick the one that matches your number.
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