Do you have enough life insurance?

See whether your coverage matches what your family would actually need — using the DIME method — plus the gap and the fastest way to close it.

What determines how much you need (DIME)

• Debt — non-mortgage debts your family would inherit
• Income — your income times the years it must be replaced
• Mortgage — enough to keep housing secure
• Education — future college plus final expenses
• Term vs. whole — term delivers far more coverage per dollar

See the best term life insurance companies

More readiness checks

• Know if you're ready — before you apply
• Are you ready to buy a home?
• Which credit cards will approve you?
• Can you afford that car?
• Are you on track to retire?
• All readiness checks

A directional estimate based on the factors approvers typically weigh — not a credit pull, a binding pre-qualification, or financial advice. ClearValue Lending is a financial-decisions platform, not a lender, issuer, insurer, or advisor.