Use the DIME framework
Debt, income replacement, mortgage, and education goals provide a practical starting point for estimating how much protection your household may need.
HOUSTON LIFE INSURANCE GUIDANCE
A clearer starting point for your life insurance needs.
Life insurance is personal. Andrew can help you estimate a starting coverage amount, consider the time period your family may need protection, and understand which details affect available options.
Plan around the household you support
Start with the people who depend on your income, the debts you would want paid, and the coverage you already have. A conversation with our Houston office can help organize those priorities before you request a quote.
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Choose an appropriate time horizon
Consider how long income support, mortgage protection, childcare, or education funding may be needed when discussing term length.
Review as life changes
Marriage, children, a home purchase, income changes, and business obligations are useful times to revisit beneficiaries and coverage needs.
PREPARE FOR THE CONVERSATION
Helpful details for a life insurance conversation
The website’s DIME calculator is optional and provides a planning estimate. You can request a rate without completing it.
- Outstanding debts other than the mortgage
- Annual income and desired replacement period
- Remaining mortgage balance
- Education or other family funding goals
- Existing personal and employer coverage
PERSONAL GUIDANCE