Estimate life insurance needs, disability coverage gaps, umbrella liability, COBRA premiums, title insurance costs, and PMI removal eligibility — no signup, no email required.
DIME method: estimate how much life insurance coverage your family actually needs.
Find your income-replacement gap between employer benefits and a target payout.
How much extra liability protection you need based on net worth and risk factors.
Estimate your true monthly premium after a job loss, including the 2% admin fee.
Estimate owner's and lender's title insurance cost at closing.
Check your loan-to-value ratio and find out when PMI comes off your mortgage.
Most insurance calculators online are lead-generation forms in disguise — you enter your details and get bombarded with agent calls instead of a number. Every calculator on this site runs entirely in your browser: nothing you type is sent anywhere. You get a transparent, explained estimate based on the same rules-of-thumb insurance professionals actually use (the DIME method, standard income-replacement ratios, federal PMI termination law, and typical title insurance rate structures).