Insurance

Insurance Terms

Life, disability, and annuity calculations used to size insurance coverage and estimate retirement income.

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Last updated Apr 2026

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Fixed Annuity Payout

Annual payment from a fixed annuity given a starting balance, interest rate, and payout period.

Life Annuity Payout

Estimated annual income from a life annuity, assuming payments last until the expected end of life.

DIME Method

A life insurance needs formula covering Debt, Income, Mortgage, and Education.

Disability Need

Monthly income benefit required to replace a percentage of earnings if you become disabled.

Human Life Value

The present value of a person's future earning potential, used to estimate life insurance needs.

Term Life Need

Estimates required life insurance coverage based on income, debts, existing coverage, and liquid assets.