Check My Coverage: Free Life Insurance & Retirement Calculator
Financial Needs Assessment
Know your numbers.
Build your legacy.
Calculate your life insurance needs, your retirement freedom number, and discover the three pillars of financial protection.
How much coverage do you actually need?
The DIME method replaces guessing with math.
Debt
Credit cards, auto loans, personal loans, student loans — everything that doesn't disappear when you do.
Income
How many years does your family need your income replaced?
5 yrs10 yrs25 yrs
Mortgage
Your family shouldn't lose the roof over their head on top of everything else.
Education & Final Expenses
College funds, funeral costs, and any final obligations.
Current Coverage
What do you already have in place? Let's see the real gap.
Your DIME Number
$0
total coverage needed
Debt
$0
Income
$0
Mortgage
$0
Education
$0
Current coverage
$0
Your coverage gap
$0
Most families are underinsured by 50% or more.
Let's close that gap.
Your Financial Independence Number
Five steps to knowing when work becomes optional.
Step 1
Monthly Comfort Number
If every major bill was gone — no mortgage, no car note, no credit cards — what do you need monthly for life, lights, water, phone, food, travel, and entertainment?
Step 2
Time Horizon
How many years until you walk away from the clock? We convert this to months — because that's how real the countdown is.
5 yrs10 yrs40 yrs
Step 3
Inflation Adjustment
The step most people skip — and it costs them everything. A dollar today won't be a dollar when you retire.
2%3%5%
Step 4
Your FIN
Inflated amount multiplied by 20. Withdraw 5% per year and never run out. This is the number that makes working a choice.
Step 5
What You Need to Do Now
Current savings across all accounts, monthly investment capacity, and expected returns. We'll show you the full picture.
4%10%12%
Financial Independence Number
$0
the number that makes working optional
Inflation-adjusted need
$0
Months to build
0
Here's how you get there
Savings growth
$0
Contribution growth
$0
Combined total at retirement
$0
Status
—
Monthly needed to hit FIN
$0
You know the destination. Let's build the vehicle.
The MFIVE Framework
Three pillars. One mission. Your legacy.
Pillar 1
Asset Protection
Your income is your most valuable asset. Protection isn't optional — it's the foundation.
Legacy Benefits — the wealth you transfer to the people you love. Term, whole, IULs, and final expense policies ensure your family inherits your vision, not your bills.
Living Benefits — protection while you're still here. If illness or injury takes you off the field, living benefits replace your income so your household doesn't collapse.
Living Benefits — protection while you're still here. If illness or injury takes you off the field, living benefits replace your income so your household doesn't collapse.
Pillar 2
Wealth Accumulation
Your exit strategy for retirement. Your job should be a chapter, not the whole book.
IULs for tax-free retirement income, annuities for guaranteed growth, and strategies that let compound interest do what it was designed to do. The goal: working becomes a choice, not a requirement.
Pillar 3
Estate Planning
Protecting what you've built so it gets to who it's for.
Through Perimeter Law Group, we offer fully customizable estate plans — wills, trusts, powers of attorney, healthcare directives. Building wealth without an estate plan is like building a house without a roof.
Ready to see where you stand across all three pillars?
Free limited edition guide
The Cheat Code to Protecting Your Family & Building Wealth
80+ pages of strategies most agents never share. Life insurance types, living benefits, IULs, retirement tools — all in plain language.
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