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Calculators/Finance/Insurance

Insurance calculators

Coverage-sizing maths for life, umbrella and general insurance: how much cover, not what it costs.

Life Insurance Needs (DIME Method)Rough coverage estimate from debts, income replacement, mortgage and education costs.Premium Per $1,000 of CoverageAnnual premium rate per $1,000 of coverage, for comparing quotes of different sizes.Deductible vs Premium Break-EvenYears of premium savings needed to offset paying a higher deductible once.Umbrella Policy Coverage GapGap between a target liability protection level and existing auto and home liability limits.Human Life Value MethodPresent value of future net income, an actuarial approach to sizing life insurance.

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