{"id":58685,"date":"2026-04-21T15:01:07","date_gmt":"2026-04-21T19:01:07","guid":{"rendered":"https:\/\/www.assur360.ca\/assur360-simulators-free-tools-for-your-financial-decisions\/life-insurance-needs-calculator-2026-dime-method-replacement-capital\/"},"modified":"2026-04-23T18:16:04","modified_gmt":"2026-04-23T22:16:04","slug":"life-insurance-needs-calculator-2026-dime-method-replacement-capital","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/life-insurance-needs-calculator-2026-dime-method-replacement-capital\/","title":{"rendered":"Life insurance needs calculator 2026 \u2014 DIME method + replacement capital"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}\n.lifecalc-wrap *{box-sizing:border-box}\n.lifecalc-wrap{font-family:'DM Sans',system-ui,sans-serif;background:#ffffff;border:1px solid #e2e8f0;border-radius:16px;margin:32px 0;overflow:hidden;box-shadow:0 20px 60px 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#fff}\n@media(max-width:680px){.lifecalc-grid{grid-template-columns:1fr}.lifecalc-breakdown{grid-template-columns:1fr}.lifecalc-verdict h3{font-size:28px}.lifecalc-tab{font-size:13px;padding:14px 12px}}\n<\/style>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);padding:60px 32px;border-radius:16px;text-align:center;margin:32px 0;\">\n  <p style=\"color:#10c4c7;font-size:13px;text-transform:uppercase;letter-spacing:2px;margin:0 0 14px;font-weight:700;\">Free Simulator \u00b7 Quebec 2026<\/p>\n  <h1 style=\"font-family:'Sora',sans-serif;color:#fff;font-size:clamp(28px,4vw,42px);font-weight:800;margin:0 0 16px;line-height:1.2;\"><span class=\"ez-toc-section\" id=\"Life-insurance-need-calculator\"><\/span>Life insurance need calculator<span class=\"ez-toc-section-end\"><\/span><\/h1>\n  <p style=\"color:#cbd5e1;font-size:17px;max-width:720px;margin:0 auto 24px;line-height:1.6;\"><strong style=\"color:#10c4c7;\">DIME<\/strong> method or <strong style=\"color:#10c4c7;\">replacement capital<\/strong> \u2014 get a personalized amount in 2 minutes. No registration, 100% anonymous. <\/p>\n  <div>\n    <a href=\"#calculateur\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:800;text-decoration:none;display:inline-block;margin-right:10px;\">Start the calculation \u2192<\/a>\n    <a href=\"tel:+18663574451\" style=\"background:transparent;color:#fff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;display:inline-block;border:2px solid #fff;\">1-866-357-4451<\/a>\n  <\/div>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border-radius:12px;padding:20px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:28px;font-weight:800;\">2 min<\/div>\n    <div style=\"color:#64748b;font-size:13px;margin-top:4px;\">Time required<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;border-radius:12px;padding:20px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:28px;font-weight:800;\">2<\/div>\n    <div style=\"color:#64748b;font-size:13px;margin-top:4px;\">Methods compared<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;border-radius:12px;padding:20px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:28px;font-weight:800;\">100%<\/div>\n    <div style=\"color:#64748b;font-size:13px;margin-top:4px;\">Anonymous &#038; free<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;border-radius:12px;padding:20px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:28px;font-weight:800;\">AMF<\/div>\n    <div style=\"color:#64748b;font-size:13px;margin-top:4px;\">Certified brokers<\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:#fffbeb;border:2px solid #f59e0b;border-radius:12px;padding:20px 24px;margin:24px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"flex-shrink:0;width:40px;height:40px;background:#f59e0b;color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:22px;font-weight:800;\">\u26a0<\/div>\n  <div>\n    <h3 style=\"color:#92400e;font-size:16px;margin:0 0 6px;font-weight:800;\">Important notice \u2014 simulation tool only<\/h3>\n    <p style=\"color:#78350f;font-size:14px;line-height:1.7;margin:0;\">This calculator provides an <strong>indicative estimate<\/strong> for informational purposes only. It <strong>does not constitute financial advice<\/strong> and in no way replaces the analysis of an <strong>AMF-certified financial security advisor<\/strong>. Only a licensed professional can assess your complete situation (balance sheet, estate goals, taxation, suitable products) and recommend personalized coverage. Results may vary depending on the assumptions used.   <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\" id=\"calculateur\"><span class=\"ez-toc-section\" id=\"Simulator-how-much-life-insurance-do-you-need\"><\/span>Simulator: how much life insurance do you need?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:16px;line-height:1.7;color:#334155;\">Two approaches recognized in Quebec to estimate your life insurance capital. Choose the tab that works best for you, or use both to compare results. <\/p>\n\n<div class=\"lifecalc-wrap\" id=\"lifecalc\">\n  <div class=\"lifecalc-head\">\n    <h3>Estimate your life insurance needs<\/h3>\n    <p>Your data remains on your device \u2014 no transmission to the server.<\/p>\n  <\/div>\n\n  <div class=\"lifecalc-tabs\">\n    <button type=\"button\" class=\"lifecalc-tab active\" data-pane=\"dime\">DIME<\/button>\n Method<button type=\"button\" class=\"lifecalc-tab\" data-pane=\"capital\">Replacement capital<\/button>    \n  <\/div>\n\n  <!-- DIME -->\n  <div class=\"lifecalc-pane active\" data-pane=\"dime\">\n    <div class=\"lifecalc-intro\">\n      <strong>DIME<\/strong> = <strong>Debt<\/strong>+ <strong>Debt<\/strong>(income \u00d7 years) + <strong>M<\/strong>ortgage (mortgage) + <strong>Education<\/strong>(children&#8217;s education). Quick method recommended by many financial planners for a realistic estimate. \n    <\/div>\n\n    <div class=\"lifecalc-section\">\n      <h4>D \u2014 Debts to be repaid<\/h4>\n      <div class=\"lifecalc-grid\">\n        <div class=\"lifecalc-field\"><label>Credit Cards &#038; Lines of Credit <span class=\"hint\">($)<\/span><\/label><input type=\"number\" id=\"d_cc\" min=\"0\" step=\"500\" placeholder=\"Ex. 8,000\"\/><\/div>\n        <div class=\"lifecalc-field\"><label>Auto Loans &#038; Other Loans <span class=\"hint\">($)<\/span><\/label><input type=\"number\" id=\"d_prets\" min=\"0\" step=\"500\" placeholder=\"Ex. 22,000\"\/><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"lifecalc-section\">\n      <h4>I \u2014 Income replacement<\/h4>\n      <div class=\"lifecalc-grid\">\n        <div class=\"lifecalc-field\"><label>Gross annual income <span class=\"hint\">($)<\/span><\/label><input type=\"number\" id=\"i_revenu\" min=\"0\" step=\"1000\" placeholder=\"Ex. 75,000\"\/><\/div>\n        <div class=\"lifecalc-field\"><label>Years of support desired <span class=\"hint\">(5-20 years)<\/span><\/label><input type=\"number\" id=\"i_annees\" min=\"1\" max=\"30\" step=\"1\" value=\"10\"\/><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"lifecalc-section\">\n      <h4>M \u2014 Mortgage balance<\/h4>\n      <div class=\"lifecalc-grid\">\n        <div class=\"lifecalc-field\"><label>Home mortgage balance <span class=\"hint\">($)<\/span><\/label><input type=\"number\" id=\"m_hypo\" min=\"0\" step=\"1000\" placeholder=\"Ex. 245,000\"\/><\/div>\n        <div class=\"lifecalc-field\"><label>Other real estate loans <span class=\"hint\">(chalet, rental)<\/span><\/label><input type=\"number\" id=\"m_autres\" min=\"0\" step=\"1000\" placeholder=\"Ex. 0\"\/><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"lifecalc-section\">\n      <h4>E \u2014 Children&#8217;s education<\/h4>\n      <div class=\"lifecalc-grid\">\n        <div class=\"lifecalc-field\"><label>Number of children to be enrolled in school<\/label><input type=\"number\" id=\"e_enfants\" min=\"0\" max=\"10\" step=\"1\" value=\"0\"\/><\/div>\n        <div class=\"lifecalc-field\"><label>Estimated cost per child <span class=\"hint\">($ total)<\/span><\/label><input type=\"number\" id=\"e_cout\" min=\"0\" step=\"1000\" value=\"40000\"\/><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"lifecalc-section\">\n      <h4>Credits to be deducted (optional)<\/h4>\n      <div class=\"lifecalc-grid\">\n        <div class=\"lifecalc-field\"><label>RRSP, TFSA, investments <span class=\"hint\">($)<\/span><\/label><input type=\"number\" id=\"av_epargne\" min=\"0\" step=\"1000\" placeholder=\"Ex. 50,000\"\/><\/div>\n        <div class=\"lifecalc-field\"><label>Life insurance already in place <span class=\"hint\">(group + individual)<\/span><\/label><input type=\"number\" id=\"av_vie\" min=\"0\" step=\"1000\" placeholder=\"Ex. 100,000\"\/><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"lifecalc-btn-wrap\">\n      <button type=\"button\" class=\"lifecalc-btn\" onclick=\"lifecalcDIME()\">Calculate my DIME need\u2192<\/button>\n    <\/div>\n  <\/div>\n\n  <!-- CAPITAL REMPLACEMENT -->\n  <div class=\"lifecalc-pane\" data-pane=\"capital\">\n    <div class=\"lifecalc-intro\">\n      <strong>Replacement capital<\/strong> = annual net income multiplied by the years until retirement, adjusted for inflation and residual family needs. More accurate method for high incomes or long careers. \n    <\/div>\n\n    <div class=\"lifecalc-section\">\n      <h4>Your situation<\/h4>\n      <div class=\"lifecalc-grid\">\n        <div class=\"lifecalc-field\"><label>Your current age<\/label><input type=\"number\" id=\"c_age\" min=\"18\" max=\"80\" step=\"1\" value=\"35\"\/><\/div>\n        <div class=\"lifecalc-field\"><label>Target retirement age<\/label><input type=\"number\" id=\"c_retraite\" min=\"50\" max=\"80\" step=\"1\" value=\"65\"\/><\/div>\n        <div class=\"lifecalc-field\"><label>Annual net income <span class=\"hint\">(after taxes, $)<\/span><\/label><input type=\"number\" id=\"c_revenu\" min=\"0\" step=\"1000\" placeholder=\"Ex. 55,000\"\/><\/div>\n        <div class=\"lifecalc-field\"><label>% of income spent on family <span class=\"hint\">(60-80%)<\/span><\/label><input type=\"number\" id=\"c_pct\" min=\"30\" max=\"100\" step=\"5\" value=\"70\"\/><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"lifecalc-section\">\n      <h4>Economic Assumptions<\/h4>\n      <div class=\"lifecalc-grid\">\n        <div class=\"lifecalc-field\"><label>Annual inflation rate <span class=\"hint\">(%)<\/span><\/label><input type=\"number\" id=\"c_infl\" min=\"0\" max=\"10\" step=\"0.1\" value=\"2.5\"\/><\/div>\n        <div class=\"lifecalc-field\"><label>Return on investments <span class=\"hint\">(% net)<\/span><\/label><input type=\"number\" id=\"c_rdt\" min=\"0\" max=\"15\" step=\"0.1\" value=\"4.5\"\/><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"lifecalc-section\">\n      <h4>Final Expenses &#038; Credits<\/h4>\n      <div class=\"lifecalc-grid\">\n        <div class=\"lifecalc-field\"><label>Funeral &#038; Estate Expenses <span class=\"hint\">($)<\/span><\/label><input type=\"number\" id=\"c_fin\" min=\"0\" step=\"500\" value=\"15000\"\/><\/div>\n        <div class=\"lifecalc-field\"><label>Debts to be paid off <span class=\"hint\">(incl. mortgage, $)<\/span><\/label><input type=\"number\" id=\"c_dettes\" min=\"0\" step=\"1000\" placeholder=\"Ex. 250,000\"\/><\/div>\n        <div class=\"lifecalc-field\"><label>Available assets <span class=\"hint\">(RRSP, TFSA, savings, $)<\/span><\/label><input type=\"number\" id=\"c_avoirs\" min=\"0\" step=\"1000\" placeholder=\"Ex. 75,000\"\/><\/div>\n        <div class=\"lifecalc-field\"><label>Life insurance already in place <span class=\"hint\">($)<\/span><\/label><input type=\"number\" id=\"c_vie\" min=\"0\" step=\"1000\" placeholder=\"Ex. 100,000\"\/><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"lifecalc-btn-wrap\">\n      <button type=\"button\" class=\"lifecalc-btn\" onclick=\"lifecalcCapital()\">Calculate my capital\u2192<\/button>\n    <\/div>\n  <\/div>\n\n  <!-- RESULTS -->\n  <div class=\"lifecalc-results\" id=\"lifecalcResults\">\n    <div class=\"lifecalc-verdict\">\n      <div class=\"lbl\" id=\"lcMethod\">DIME Result<\/div>\n      <h3 id=\"lcTotal\">$0<\/h3>\n      <p id=\"lcSubtitle\">Recommended amount of life insurance<\/p>\n    <\/div>\n    <div class=\"lifecalc-breakdown\" id=\"lcBreakdown\"><\/div>\n    <p style=\"color:#cbd5e1;font-size:12px;line-height:1.6;margin:20px 0 0;text-align:center;padding:14px 18px;background:rgba(245,158,11,.12);border-radius:8px;border-left:3px solid #f59e0b;\">\u26a0 <strong style=\"color:#fbbf24;\">Indicative estimate only.<\/strong> Does not replace the advice of an AMF-certified financial security advisor. Consult a professional for a recommendation tailored to your complete situation. <\/p>\n    <div class=\"lifecalc-cta-res\">\n      <a class=\"primary\" href=\"https:\/\/www.assur360.ca\/en\/life-insurance-quote-request-a-quote\/\">Get a \u2192<\/a>\n life insurance quote<a class=\"sec\" href=\"tel:+18663574451\">1-866-357-4451<\/a>      \n    <\/div>\n  <\/div>\n<\/div>\n\n<script>\n(function(){\n  function fmt(n){ n = Math.max(0, Math.round(n)); return n.toLocaleString('fr-CA') + ' $'; }\n  function val(id){ var v = parseFloat(document.getElementById(id).value); return isNaN(v) ? 0 : v; }\n\n  document.querySelectorAll('.lifecalc-tab').forEach(function(btn){\n    btn.addEventListener('click', function(){\n      var p = btn.dataset.pane;\n      document.querySelectorAll('.lifecalc-tab').forEach(function(b){ b.classList.toggle('active', b.dataset.pane===p); });\n      document.querySelectorAll('.lifecalc-pane').forEach(function(el){ el.classList.toggle('active', el.dataset.pane===p); });\n      document.getElementById('lifecalcResults').classList.remove('show');\n    });\n  });\n\n  window.lifecalcDIME = function(){\n    var D = val('d_cc') + val('d_prets');\n    var I = val('i_revenu') * val('i_annees');\n    var M = val('m_hypo') + val('m_autres');\n    var E = val('e_enfants') * val('e_cout');\n    var avoirs = val('av_epargne') + val('av_vie');\n    var total = Math.max(0, D + I + M + E - avoirs);\n\n    var rows = [\n      ['D \u2014 Dettes', D],\n      ['I \u2014 Revenu \u00d7 ann\u00e9es', I],\n      ['M \u2014 Hypoth\u00e8que', M],\n      ['E \u2014 \u00c9tudes enfants', E],\n      ['Avoirs \u00e0 d\u00e9duire', -avoirs]\n    ];\n    renderResults('R\u00e9sultat m\u00e9thode DIME', total, 'Capital d\u2019assurance vie recommand\u00e9', rows);\n  };\n\n  window.lifecalcCapital = function(){\n    var age = val('c_age'), retraite = val('c_retraite');\n    var annees = Math.max(0, retraite - age);\n    var revenu = val('c_revenu');\n    var pct = val('c_pct') \/ 100;\n    var infl = val('c_infl') \/ 100;\n    var rdt = val('c_rdt') \/ 100;\n    var taux = Math.max(0.0001, rdt - infl); \/\/ taux r\u00e9el\n\n    \/\/ Present value of annuity: PV = P \u00d7 [1 - (1+r)^-n] \/ r\n    var P = revenu * pct;\n    var pv = annees > 0 && taux > 0 ? P * (1 - Math.pow(1 + taux, -annees)) \/ taux : P * annees;\n\n    var fin = val('c_fin'), dettes = val('c_dettes');\n    var avoirs = val('c_avoirs') + val('c_vie');\n    var total = Math.max(0, pv + fin + dettes - avoirs);\n\n    var rows = [\n      ['Revenu \u00e0 remplacer (VP)', pv],\n      ['Ann\u00e9es de soutien', annees],\n      ['D\u00e9penses finales', fin],\n      ['Dettes \u00e0 solder', dettes],\n      ['Avoirs \u00e0 d\u00e9duire', -avoirs]\n    ];\n    renderResults('R\u00e9sultat capital de remplacement', total, 'Capital ajust\u00e9 pour ' + annees + ' ann\u00e9es', rows);\n  };\n\n  function renderResults(method, total, subtitle, rows){\n    document.getElementById('lcMethod').textContent = method;\n    document.getElementById('lcTotal').textContent = fmt(total);\n    document.getElementById('lcSubtitle').textContent = subtitle;\n    var html = rows.map(function(r){\n      var label = r[0], v = r[1];\n      var display = (label === 'Ann\u00e9es de soutien') ? (Math.round(v) + ' ans') : fmt(Math.abs(v));\n      var sign = v < 0 ? '\u2212 ' : '';\n      return '<div class=\"lifecalc-item\"><span>' + label + '<span class=\"v\">' + sign + display + '<\/span><\/span><\/div><\/script>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"DIME-or-replacement-capital-which-one-to-choose\"><\/span>DIME or replacement capital: which one to choose?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:1fr 1fr;gap:24px;margin:24px 0;\">\n  <div style=\"background:#f8fafc;border-radius:12px;padding:28px;border-top:4px solid #10c4c7;\">\n    <h3 style=\"color:#0d1f2d;font-size:20px;margin:0 0 10px;\">\ud83e\uddee DIME Method<\/h3>\n    <p style=\"color:#334155;font-size:15px;line-height:1.6;margin:0 0 14px;\"><strong>For whom?<\/strong>  Families with mortgages, debts, dependent children. Quick result based on your current obligations. <\/p>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\"><strong>Advantage:<\/strong> Simple to fulfill, covers the 4 immediate critical needs. <strong>Limit:<\/strong> Does not take into account inflation or investment returns.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-radius:12px;padding:28px;border-top:4px solid #10c4c7;\">\n    <h3 style=\"color:#0d1f2d;font-size:20px;margin:0 0 10px;\">\ud83d\udcca Replacement capital<\/h3>\n    <p style=\"color:#334155;font-size:15px;line-height:1.6;margin:0 0 14px;\"><strong>For whom?<\/strong>  Professionals, high incomes, long career. Updated calculation that takes inflation and yield into account. <\/p>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\"><strong>Advantage:<\/strong> More precise to cover a standard of living over 20-30 years. <strong>Limit:<\/strong> Request to make economic assumptions (inflation, yield).<\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border:2px solid #10c4c7;border-radius:16px;padding:32px;margin:32px 0;color:#fff;\">\n  <h3 style=\"color:#10c4c7;font-size:18px;margin:0 0 12px;text-transform:uppercase;letter-spacing:1px;\">\ud83d\udca1 Broker&#8217;s advice<\/h3>\n  <p style=\"color:#cbd5e1;font-size:16px;line-height:1.7;margin:0;\">Do both <strong style=\"color:#fff;\">calculations<\/strong> and take the higher amount. The result often varies by 30 to 50% between the two methods depending on your situation. An <strong style=\"color:#fff;\">AMF-certified broker<\/strong> can then refine the figure with you, taking into account your plans (e.g., pre-retirement, accelerated mortgage, testamentary trust).  <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Understanding-the-4-components-of-the-DIME-method\"><\/span>Understanding the 4 components of the DIME method<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin:24px 0;\">\n  <div style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:24px;\">\n    <div style=\"display:flex;align-items:center;gap:14px;margin-bottom:10px;\">\n      <div style=\"width:44px;height:44px;background:#10c4c7;color:#0d1f2d;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:900;font-size:22px;font-family:'Sora',sans-serif;\">D<\/div>\n      <h3 style=\"color:#0d1f2d;font-size:18px;margin:0;\">Debts<\/h3>\n    <\/div>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Credit cards, line of credit, car loans, student loans. Any debt that <strong>survives<\/strong> your death and falls on your loved ones or estate. <\/p>\n  <\/div>\n  <div style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:24px;\">\n    <div style=\"display:flex;align-items:center;gap:14px;margin-bottom:10px;\">\n      <div style=\"width:44px;height:44px;background:#10c4c7;color:#0d1f2d;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:900;font-size:22px;font-family:'Sora',sans-serif;\">I<\/div>\n      <h3 style=\"color:#0d1f2d;font-size:18px;margin:0;\">Income<\/h3>\n    <\/div>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Your annual income multiplied by the number of years your loved ones will need financial support. Classically <strong>10 years<\/strong> old in Quebec, until the children are autonomous. <\/p>\n  <\/div>\n  <div style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:24px;\">\n    <div style=\"display:flex;align-items:center;gap:14px;margin-bottom:10px;\">\n      <div style=\"width:44px;height:44px;background:#10c4c7;color:#0d1f2d;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:900;font-size:22px;font-family:'Sora',sans-serif;\">M<\/div>\n      <h3 style=\"color:#0d1f2d;font-size:18px;margin:0;\">Mortgage<\/h3>\n    <\/div>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Residual balance on your mortgage \u2014 and other home loans (cottage, rental). Paying off the mortgage frees the family from a major burden and secures the home. <\/p>\n  <\/div>\n  <div style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:24px;\">\n    <div style=\"display:flex;align-items:center;gap:14px;margin-bottom:10px;\">\n      <div style=\"width:44px;height:44px;background:#10c4c7;color:#0d1f2d;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:900;font-size:22px;font-family:'Sora',sans-serif;\">E<\/div>\n      <h3 style=\"color:#0d1f2d;font-size:18px;margin:0;\">Education (studies)<\/h3>\n    <\/div>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Estimated cost of post-secondary education per child. In Quebec, <strong>$40,000 per child<\/strong> is a realistic order of magnitude (CEGEP + university, including residence). <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Replacement-capital-%E2%80%94-the-formula-in-detail\"><\/span>Replacement capital \u2014 the formula in detail<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:16px;line-height:1.7;color:#334155;\">The replacement capital method uses the <strong>present value of an annuity<\/strong>. It answers the question: &#8220;How much capital invested today, at a given return, could pay the missing income to my family until I retire, taking inflation into account?&#8221; <\/p>\n\n<div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;margin:20px 0;font-family:'DM Mono','Courier New',monospace;font-size:15px;color:#0d1f2d;line-height:1.8;\">\n  <strong style=\"color:#10c4c7;\">Capital = P \u00d7 [1 \u2212 (1 + r)<sup>\u2212n<\/sup>] \/ r + Final Expenses + Liabilities \u2212 Assets<\/strong><br \/>  <span style=\"color:#64748b;font-size:14px;\">where:<br \/> \u2022 P = annual net income \u00d7% for the family<br \/> \u2022 r = real rate (return \u2212 inflation)<br \/> \u2022 n = number of years until retirement<\/span>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Concrete-examples-in-Quebec\"><\/span>Concrete examples in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:24px 0;\">\n<table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n  <thead>\n    <tr style=\"background:#0d1f2d;color:#fff;\">\n      <th style=\"padding:14px;text-align:left;\">Profile<\/th>\n<th style=\"padding:14px;text-align:right;\">DIME<\/th>\n<th style=\"padding:14px;text-align:right;\">Replacement<\/th>\n capital<th style=\"padding:14px;text-align:right;\">Recommendation<\/th>                  \n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr style=\"background:#f8fafc;\"><td style=\"padding:12px;\">Couple, 2 children, mortgage $240,000, income $75,000<\/td>$<td style=\"padding:12px;text-align:right;\">1,055,000<\/td>$<td style=\"padding:12px;text-align:right;\">1,150,000<\/td>$<td style=\"padding:12px;text-align:right;color:#10c4c7;font-weight:700;\">1,200,000<\/td><\/tr>\n    <tr><td style=\"padding:12px;\">Single, no children, condo $185,000, income $55,000<\/td>$<td style=\"padding:12px;text-align:right;\">420,000<\/td>$<td style=\"padding:12px;text-align:right;\">395,000<\/td>$<td style=\"padding:12px;text-align:right;color:#10c4c7;font-weight:700;\">500,000<\/td><\/tr>\n    <tr style=\"background:#f8fafc;\"><td style=\"padding:12px;\">Professional 45 years old, 3 children, income $120,000, debts $320,000<\/td>$<td style=\"padding:12px;text-align:right;\">1,640,000<\/td>$<td style=\"padding:12px;text-align:right;\">1,780,000<\/td>$<td style=\"padding:12px;text-align:right;color:#10c4c7;font-weight:700;\">2,000,000<\/td><\/tr>\n    <tr><td style=\"padding:12px;\">Young worker 28 years old, spouse, no children, income $52,000<\/td><td style=\"padding:12px;text-align:right;\">$280,000<\/td>$<td style=\"padding:12px;text-align:right;\">410,000<\/td>$<td style=\"padding:12px;text-align:right;color:#10c4c7;font-weight:700;\">500,000<\/td><\/tr>\n  <\/tbody>\n<\/table>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-about-calculating-the-need-for-life-insurance\"><\/span>Frequently asked questions about calculating the need for life insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:24px 0;\">\n  <details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:10px;margin-bottom:12px;\"><summary style=\"padding:18px 22px;font-weight:700;color:#0d1f2d;cursor:pointer;background:#f8fafc;border-radius:10px;\">What is the difference between DIME and replacement capital?<\/summary><div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;\">DIME adds up to 4 specific needs (debt, income, mortgage, education). The replacement capital calculates the present value of the income that would be missing until retirement. DIME is faster; Capital is more accurate for high incomes or long careers.  <\/div><\/details>\n\n  <details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:10px;margin-bottom:12px;\"><summary style=\"padding:18px 22px;font-weight:700;color:#0d1f2d;cursor:pointer;background:#f8fafc;border-radius:10px;\">How much life insurance should an average Quebecer have?<\/summary><div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;\">For a typical household with a mortgage, 2 children and an income of $75,000, the actual need is <strong>between $700,000 and $1.2 million<\/strong>. The average active policy in Quebec (about $180,000) is well <strong>below the target<\/strong> for families. <\/div><\/details>\n\n  <details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:10px;margin-bottom:12px;\"><summary style=\"padding:18px 22px;font-weight:700;color:#0d1f2d;cursor:pointer;background:#f8fafc;border-radius:10px;\">Should my employer&#8217;s group insurance be included in the calculation?<\/summary><div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;\">Yes, but with caution. Group insurance is often <strong>1 to 2 times the salary<\/strong>, so insufficient on its own. It also disappears when you leave the job. Deduct it from the total need, then cover the difference with an individual policy (20-30 term or permanent).   <\/div><\/details>\n\n  <details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:10px;margin-bottom:12px;\"><summary style=\"padding:18px 22px;font-weight:700;color:#0d1f2d;cursor:pointer;background:#f8fafc;border-radius:10px;\">What term should I choose for term insurance?<\/summary><div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;\">Match the term to your longest financial commitment. If your mortgage ends in 22 years, a <strong>T-25 or T-30<\/strong> is wiser than a T-10 (risk of non-renewal if your health changes). <a href=\"https:\/\/www.assur360.ca\/en\/2026-quebec-t10-t20-t30-term-life-insurance-prices-starting-at-15-month\/\">See the term life insurance guide<\/a>. <\/div><\/details>\n\n  <details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:10px;margin-bottom:12px;\"><summary style=\"padding:18px 22px;font-weight:700;color:#0d1f2d;cursor:pointer;background:#f8fafc;border-radius:10px;\">Is the result of the calculator guaranteed?<\/summary><div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;\">No. The result is an <strong>estimate<\/strong> based on your inputs. An AMF-certified broker will refine the figure by analyzing your complete balance sheet, family situation, estate goals, and the products available at 10+ Canadian insurers. <\/div><\/details>\n\n  <details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:10px;margin-bottom:12px;\"><summary style=\"padding:18px 22px;font-weight:700;color:#0d1f2d;cursor:pointer;background:#f8fafc;border-radius:10px;\">At what age should I review my needs?<\/summary><div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;\">Revise your needs for each <strong>major event<\/strong> : wedding, birth, home purchase, new mortgage, job change, retirement. Otherwise, a check-up every <strong>3 to 5 years<\/strong> is a good practice. <\/div><\/details>\n\n  <details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:10px;margin-bottom:12px;\"><summary style=\"padding:18px 22px;font-weight:700;color:#0d1f2d;cursor:pointer;background:#f8fafc;border-radius:10px;\">What are the average funeral costs in Quebec?<\/summary><div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;\">Between <strong>$8,000 and $18,000<\/strong> for a traditional funeral in Quebec (2026), depending on the services and the burial. Budgeting <strong>$15,000<\/strong> is a good order of magnitude. Estate fees (notary, liquidation, RRSP taxes) can add $20,000 to $50,000.  <\/div><\/details>\n\n  <details style=\"background:#fff;border:1px solid #e2e8f0;border-radius:10px;margin-bottom:12px;\"><summary style=\"padding:18px 22px;font-weight:700;color:#0d1f2d;cursor:pointer;background:#f8fafc;border-radius:10px;\">Is my data confidential?<\/summary><div style=\"padding:18px 22px;color:#334155;font-size:15px;line-height:1.7;\">Yes, 100%. The calculator only works <strong>in your browser<\/strong> (local JavaScript). No numbers are transmitted to our servers, no accounts are created, no registration required.  <\/div><\/details>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Life-insurance-brokers-%E2%80%94-AMF-certified-in-Quebec\"><\/span>Life insurance brokers \u2014 AMF certified in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"background:#f0fdfa;border-radius:16px;padding:32px;margin:32px 0;\">\n  <div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:20px;\">\n    <div><div style=\"color:#10c4c7;font-size:24px;margin-bottom:6px;\">\u2713<\/div><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 4px;\">AMF certified<\/h3><p style=\"color:#64748b;font-size:13px;margin:0;\">Autorit\u00e9 des march\u00e9s financiers<\/p><\/div>\n    <div><div style=\"color:#10c4c7;font-size:24px;margin-bottom:6px;\">\u2713<\/div><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 4px;\">ChAD Affiliates<\/h3><p style=\"color:#64748b;font-size:13px;margin:0;\">Damage Insurance Division<\/p><\/div>\n    <div><div style=\"color:#10c4c7;font-size:24px;margin-bottom:6px;\">\u2713<\/div><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 4px;\">100,000+ customers<\/h3><p style=\"color:#64748b;font-size:13px;margin:0;\">Quebecers supported since 2005<\/p><\/div>\n    <div><div style=\"color:#10c4c7;font-size:24px;margin-bottom:6px;\">\u2713<\/div><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 4px;\">10+ insurers<\/h3><p style=\"color:#64748b;font-size:13px;margin:0;\">Canada Vie, Sun Life, iA, Desjardins, RBC\u2026<\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:48px 32px;text-align:center;margin:40px 0;\">\n  <h2 style=\"color:#fff;font-family:'Sora',sans-serif;font-size:28px;margin:0 0 12px;\"><span class=\"ez-toc-section\" id=\"Ready-to-take-action\"><\/span>Ready to take action?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;max-width:620px;margin:0 auto 28px;line-height:1.6;\">Now that you know your need, get a personalized quote in 3 minutes. Our brokers compare 10+ insurers for you. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/life-insurance-quote-request-a-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 40px;border-radius:8px;font-weight:800;text-decoration:none;display:inline-block;margin-right:10px;font-size:16px;\">Get my quote\u2192<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#fff;padding:16px 40px;border-radius:8px;font-weight:700;text-decoration:none;display:inline-block;border:2px solid #fff;font-size:16px;\">1-866-357-4451<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Continue-your-reflection\"><\/span>Continue your reflection<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px;margin:24px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/life-insurance-compare-online\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:22px;text-decoration:none;display:block;transition:all .15s;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 6px;\">Life insurance \u2014 complete guide<\/h3>\n    <p style=\"color:#64748b;font-size:13px;margin:0;\">Temporary, permanent, universal<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/2026-quebec-t10-t20-t30-term-life-insurance-prices-starting-at-15-month\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:22px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 6px;\">Term life insurance<\/h3>\n    <p style=\"color:#64748b;font-size:13px;margin:0;\">T-10, T-20, T-30 explained<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/universal-life-insurance-quebec-2026-protection-tax-investment\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:22px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 6px;\">Universal Life Insurance<\/h3>\n    <p style=\"color:#64748b;font-size:13px;margin:0;\">Protection + Placement<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:22px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 6px;\">All our simulators<\/h3>\n    <p style=\"color:#64748b;font-size:13px;margin:0;\">Car, home, retirement&#8230;<\/p>\n  <\/a>\n<\/div>\n\n<div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px 28px;margin:32px 0;color:#334155;font-size:13px;line-height:1.7;\">\n  <h3 style=\"color:#0d1f2d;font-size:15px;margin:0 0 10px;font-weight:800;\">Legal Limitations and Warnings<\/h3>\n  <p style=\"margin:0 0 8px;\">The calculations presented on this page are based on <strong>data entered by the user<\/strong> as well as general assumptions (inflation, yield, duration) that can vary significantly depending on each situation. The result displayed is a <strong>need estimate<\/strong> and not a personalized recommendation. <\/p>\n  <p style=\"margin:0 0 8px;\">Assur360 and its partner brokers, certified by the <a href=\"https:\/\/lautorite.qc.ca\/\" rel=\"nofollow noopener\" target=\"_blank\">Autorit\u00e9 des march\u00e9s<\/a> financiers (AMF) and the <a href=\"https:\/\/www.chad.ca\/\" rel=\"nofollow noopener\" target=\"_blank\">Chambre de la s\u00e9curit\u00e9 financi\u00e8re<\/a> (CSF), recommend <strong>consulting a licensed financial security advisor<\/strong> before taking out any purchase. Only he can analyse your complete balance sheet, your estate objectives, your tax situation and present you with the insurers&#8217; products that correspond to your needs. <\/p>\n  <p style=\"margin:0;\">This simulator does not constitute a contract, an insurance offer, or a financial or legal opinion. The amounts, rates and examples are presented for <strong>educational purposes<\/strong>. Life insurance products are subject to insurer approval, exclusions, limitations and conditions that will be specified in the official contract.  <\/p>\n<\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\":\"https:\/\/schema.org\",\n  \"@type\":\"FAQPage\",\n  \"mainEntity\":[\n    {\"@type\":\"Question\",\"name\":\"Quelle diff\u00e9rence entre DIME et capital de remplacement ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"DIME additionne 4 besoins pr\u00e9cis (dettes, revenu, hypoth\u00e8que, \u00e9tudes). Le capital de remplacement calcule la valeur actualis\u00e9e du revenu qui manquerait jusqu'\u00e0 la retraite. DIME est plus rapide ; le capital est plus pr\u00e9cis pour les revenus \u00e9lev\u00e9s.\"}},\n    {\"@type\":\"Question\",\"name\":\"Combien d'assurance vie un Qu\u00e9b\u00e9cois moyen devrait-il avoir ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Pour un m\u00e9nage avec hypoth\u00e8que, 2 enfants et revenu de 75 000 $, le besoin r\u00e9el se situe entre 700 000 $ et 1,2 M$. La moyenne des polices actives au Qu\u00e9bec (~180 000 $) est largement sous la cible.\"}},\n    {\"@type\":\"Question\",\"name\":\"Faut-il inclure mon assurance collective dans le calcul ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, mais avec prudence. L'assurance collective est souvent 1 \u00e0 2 fois le salaire donc insuffisante \u00e0 elle seule et dispara\u00eet au d\u00e9part de l'emploi. D\u00e9duisez-la du besoin total puis couvrez l'\u00e9cart avec une police individuelle.\"}},\n    {\"@type\":\"Question\",\"name\":\"Quelle dur\u00e9e choisir pour une assurance temporaire ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Faites correspondre la dur\u00e9e \u00e0 votre plus long engagement financier. Si votre hypoth\u00e8que se termine dans 22 ans, une T-25 ou T-30 est plus sage qu'une T-10.\"}},\n    {\"@type\":\"Question\",\"name\":\"Le r\u00e9sultat du calculateur est-il garanti ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non, c'est une estimation. Un courtier certifi\u00e9 AMF raffinera le chiffre en analysant votre bilan complet, votre situation familiale et les produits disponibles chez 10+ assureurs canadiens.\"}},\n    {\"@type\":\"Question\",\"name\":\"Quels sont les frais fun\u00e9raires moyens au Qu\u00e9bec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Entre 8 000 $ et 18 000 $ pour des fun\u00e9railles traditionnelles au Qu\u00e9bec (2026). Pr\u00e9voir 15 000 $ est r\u00e9aliste. Les frais successoraux peuvent ajouter 20 000 \u00e0 50 000 $.\"}},\n    {\"@type\":\"Question\",\"name\":\"Mes donn\u00e9es sont-elles confidentielles ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, 100 %. Le calculateur fonctionne uniquement dans votre navigateur via JavaScript local. Aucune donn\u00e9e n'est transmise au serveur.\"}}\n  ]\n}\n<\/script>\n\n<script type=\"application\/ld+json\">{\n  \"@context\":\"https:\/\/schema.org\",\n  \"@type\":\"BreadcrumbList\",\n  \"itemListElement\":[\n    {\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.assur360.ca\/\"},\n    {\"@type\":\"ListItem\",\"position\":2,\"name\":\"Simulateurs\",\"item\":\"https:\/\/www.assur360.ca\/simulation\/\"},\n    {\"@type\":\"ListItem\",\"position\":3,\"name\":\"Calculateur assurance vie\",\"item\":\"https:\/\/www.assur360.ca\/simulation\/calculateur-assurance-vie\/\"}\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Calculate your life insurance needs for free with the DIME and replacement capital methods. 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