Final expense calculator
Add up funeral, cemetery and leftover bills to see how much final expense cover would spare your family.
Life tools ·
2026 figures
Life Insurance Needs Calculator for Arizona Families
DIME stands for Debt, Income, Mortgage and Education. Add up what your family would need to pay off and replace, subtract the cover and savings you already have, and the result is a starting estimate of the life insurance gap.
In clients' words
What working with Viola looks like
Our savings and care with Violas recommendations and education with our health and life insurance. Great job! We are very happy with your service and support!
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Estimates only. Estimates only. Figures on this page use published plan-year values and the details you enter. They are not a quote, an offer of coverage, or a determination of eligibility. Your final premium and any tax credit are confirmed at enrollment with the carrier or HealthCare.gov. Everything is calculated in your browser; nothing you type is sent to us or anyone else.
What this assumes
- Every figure is one you enter. Nothing is filled in for you.
- Income replacement is your annual income multiplied by the years your family would need it, with no investment growth or inflation.
- Existing cover includes work life insurance, which often ends when you leave the job.
- Life insurance is subject to underwriting and carrier approval. The right amount also depends on your budget and health.
- This is not tax, legal or investment advice.
Talk it through with Viola
An estimate is a starting point. Viola Lucero, CLTC, and the team at Rise Up Benefits Group in Chandler can look up the real figures for your situation, check your doctors and prescriptions, and explain what the numbers mean for you. We speak insurance, so you don't have to.
Life, long-term care, annuity and supplemental products are subject to underwriting and carrier approval. Guarantees are based on the claims-paying ability of the issuing company. Nothing on this site is tax, legal or investment advice.
Common questions
How much life insurance do I need?
One common method is DIME: add your debts, the income your family would need for a number of years, your mortgage and education costs, then subtract cover and savings you already have.
Is life insurance through work enough?
Often not on its own. Group cover is commonly a multiple of salary and usually ends when you leave the job or retire.
Should I choose term or permanent life insurance?
Term fits needs that end, such as a mortgage or the years children are at home. Permanent fits needs that last, such as final expenses or leaving money to family. Many families use both.
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We speak insurance, so you don't have to.
Book a free, no-pressure review with Viola in Chandler, by phone or by video. Bring your questions; leave with answers.
2160 North Alma School Road, Suite 102, Chandler, AZ 85224 · (480) 300-5776