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How Much Life Insurance Does a Florida Family Actually Need?
By Richard Williams · February 4, 2026 · 6 min read
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The DIME method, replacement income, and why most online calculators overshoot. A grounded framework for choosing a face amount.
Life insurance should cover debt, income replacement, mortgage payoff, and future education costs — the DIME method. This article walks through each factor, compares term and permanent life insurance, and explains how Florida families can avoid being over-insured or under-insured.