{"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":"2026-06-26T03:43:27","modified_gmt":"2026-06-26T07:43:27","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 class=\"wp-block-paragraph\" 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&#8220;`html\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>Income<\/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\">(cottage, 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 REPLACEMENT -->\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 Debts', D],\n      ['I \u2014 Income \u00d7 years', I],\n      ['M \u2014 Mortgage', M],\n      ['E \u2014 Children\u2019s education', E],\n      ['Credits to deduct', -avoirs]\n    ];\n    renderResults('DIME Method Result', total, 'Recommended life insurance capital', 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); \/\/ real rate\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      ['Income to replace (PV)', pv],\n      ['Years of support', annees],\n      ['Final expenses', fin],\n      ['Debts to pay off', dettes],\n      ['Credits to deduct', -avoirs]\n    ];\n    renderResults('Replacement Capital Result', total, 'Adjusted capital for ' + annees + ' years', 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 === 'Years of support') ? (Math.round(v) + ' years') : 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>';\n    }).join('');\n    document.getElementById('lcBreakdown').innerHTML = html;\n    document.getElementById('lifecalcResults').classList.add('show');\n  }\n})();\n<\/script>\n&#8220;`\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 class=\"wp-block-paragraph\" 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<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;\">Chamber of Insurance 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\">Chamber of Insurance<\/a>, 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\":\"What is the difference between DIME and replacement capital?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"DIME adds up 4 specific needs (debts, income, mortgage, education). Replacement capital calculates the present value of the income that would be lost until retirement. DIME is quicker; replacement capital is more accurate for high incomes.\"}},\n    {\"@type\":\"Question\",\"name\":\"How much life insurance should the average Quebecer have?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"For a household with a mortgage, 2 children, and an income of $75,000, the actual need is between $700,000 and $1.2M. The average active policies in Quebec (~$180,000) are significantly below target.\"}},\n    {\"@type\":\"Question\",\"name\":\"Should I include my group insurance in the calculation?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, but with caution. Group insurance is often 1 to 2 times the salary, so it is insufficient on its own and disappears when leaving the job. Deduct it from the total need and then cover the gap with an individual policy.\"}},\n    {\"@type\":\"Question\",\"name\":\"What duration should I choose for term insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Match the duration to your longest financial commitment. If your mortgage ends in 22 years, a T-25 or T-30 is wiser than a T-10.\"}},\n    {\"@type\":\"Question\",\"name\":\"Is the calculator's result guaranteed?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No, it is an estimate. 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