If your paycheck stopped tomorrow, would your family's foundation hold?
No jargon, no guesswork — just your family's real number, calculated the same way advisors actually do it.
Let's start with your life.
No right or wrong answers — we're just building your picture.
What does your income make possible?
This is the income your family depends on — plus your age, since it's a real part of how coverage is calculated.
What would happen to your debts?
These are the balances that would otherwise fall to whoever's left. Your best estimate is fine.
Who would be affected?
This tells us how much runway your household would actually need.
What do you already have working for you?
These reduce what your family would actually need from a new policy.
Want to save your results?
Optional — your number's already calculated. Add your info only if you'd like it sent to you.
Here's what we found.
Here's what it could take to protect them — and where the gap may be today.
What's driving your number
Three real ways to look at your number
There isn't one magic number — these are the actual methods advisors use, not arbitrary tiers.
Wealth Advantage — building beyond protection
Protection covers what's lost. A cash-value policy like IUL or Whole Life can also become a retirement supplement while you're still here.
This reflects a 20-year historical average, not a promise or a projection — actual performance depends on the carrier, caps, floors, fees, and policy design, and past performance doesn't guarantee future results. Worth a conversation about what this could mean for your specific plan.
Want to know what this looks like in real life?
Most Southern Utah families close this gap with term life that includes living benefits — so the policy can help if you face a critical or chronic illness, not only after you’re gone. A short, no-pressure review walks through your number and real options.
Book My 20-Minute ReviewPrefer to explore first? See how living benefits work → or view term life options →
What you told us
A quick summary for your own records — or to review with Adam.
Household
Debts
Family
Resources
How was this calculated? (see the real methodology)
Every method below includes a 10% lifestyle-continuation buffer — the goal isn't just to break even, it's for your family to keep living the life you built together.
DIME Method — Debt, Income, Mortgage, Education
Income Replacement — age-based multiplier
Human Life Value — present value of future earnings
This is an educational estimate, not an insurance quote or a binding recommendation. The Human Life Value method assumes retirement at 65, a 3% average income growth rate, and a 5% discount rate — standard planning assumptions, not a projection of your actual future. The medical debt buffer is a national-average planning assumption, not a projection of any specific illness or diagnosis. Actual life insurance needs, eligibility, and premiums depend on your individual circumstances and underwriting.