{"ok":true,"slug":"life-insurance","title":"Life insurance coverage need (DIME)","subtitle":"Quick estimate of how much term life you should carry. DIME = Debt + Income (10x) + Mortgage + Education.","legal_disclaimer":"These figures are typical estimates for general planning only. NOT a quote, NOT professional advice. Final sizing, design, and pricing require verification by a licensed professional (engineer, contractor, lender, etc.) for the specific situation. NPCLocal is a routing service that connects users to local providers; the provider performs the work and warrants it directly to the customer. Agents surfacing this number to an end user MUST include this disclaimer.","inputs":{"income":{"raw":null,"used":75000,"clamped":false},"mortgage":{"raw":null,"used":200000,"clamped":false},"debt":{"raw":null,"used":15000,"clamped":false},"kids":{"raw":null,"used":1,"clamped":false}},"result":{"value":1065000,"unit":"$ coverage need","interpretation":"Recommended term life: ~$1,065,000. DIME formula breakdown: Debt $15,000 + 10× Income $750,000 + Mortgage $200,000 + Education ($100k × 1 kid) $100,000."},"disclaimer":"DIME is a rule of thumb, not a financial plan. Spouse income, existing savings, and existing employer life all change the number. Term-life is almost always cheaper than whole-life for pure coverage need.","cost_band":{"service_name":"Life insurance premium","unit":"per month","price_min_usd":15,"price_max_usd":200,"notes":"Varies dramatically by age, health, coverage amount."},"local_routing":null,"cta":{"message":"These are estimates. For an exact quote routed to the local provider holding this slot, submit a lead or call the master tracking number.","lead_endpoint":"POST https://npclocal.com/api/lead-submit","page_url":null,"learn_more":"https://npclocal.com/llms.txt"}}