How much life insurance do I actually need?

A common starting point is 10–12× your annual income, but the right number depends on your debts, dependents, and goals. Someone with a $400K mortgage, two kids in school, and $80K in income needs a very different policy than a single renter.

We use a simple needs-analysis process to land on a number that actually fits your life — not just a rule of thumb. It typically takes about 15 minutes and costs nothing.