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fin.life-insurance-human-value Calculator
Calculates recommended life insurance coverage using the Human Life Value approach from current income, years to retirement, and existing assets. Human Life Value = PV of future net income — it produces higher coverage recommendations than DIME but better captures true earnings replacement.
Inputs
Annual Income
Reference formula or conversion factor shown for context.
Income Replacement Years
Reference formula or conversion factor shown for context.
Existing Savings
Reference formula or conversion factor shown for context.
Debt Total
Reference formula or conversion factor shown for context.
Final Expenses
Reference formula or conversion factor shown for context.
Results
recommended coverage
The fraction of the total that is protected, tested, or accounted for. Higher coverage reduces risk of gaps.
PV of income stream (4% discount)
Total number of items or occurrences.
debt obligations
The value at the specified point or condition.
final expenses
Sample size or count used in the calculation.
existing savings offset
Total money or resources saved compared to the baseline or alternative scenario.
rule of thumb
A widely used practical approximation or heuristic for this field — useful for quick estimates but not a substitute for rigorous calculation.