Honor & LifeHonor & Life

How It Works

Three steps to financial peace of mind

No pressure, no jargon — a clear path from a first conversation to coverage and wealth-building strategies actually in place.

01

Free consultation

We start with a 30-minute conversation — no pressure, no jargon. You tell us where you are. We listen and ask the right questions.

02

Your personalized plan

We match your goals to the right products from trusted carriers. Life insurance, retirement savings, debt solutions — built around your budget and your family.

03

Coverage starts. Your plan gets to work.

Once your policy is approved and in force, your protection begins. Strategies with cash value or tax-deferred growth build over time — and we review your plan with you as your life changes.

Free Educational Tool

D.I.M.E. Coverage Foundation Calculator

Estimate a basic life insurance coverage foundation using the D.I.M.E. method — Debt, Income, Mortgage/Rent, Education. This is only a simulation, calculated in your browser. Nothing you enter here is stored or sent anywhere unless you choose to share your results with us, such as by using "Build My Strategy."

This calculator provides an educational estimate based solely on the information you enter — it is not a life insurance quote, policy illustration, or guarantee of eligibility, coverage amounts, or premiums, and it is not tax or legal advice. Our licensed producers will confirm your actual numbers directly with you before any strategy is put in place. Information entered into this calculator stays in your browser and is not stored or sent to us unless you choose to submit it, such as through "Build My Strategy" or the Contact form — see our Terms & Conditions for how submitted information is handled.

Step 1 of 4

D

Debt

Do you currently have any debts you would like to include?

$
$
$
$

Financial Lifestyle Strategy

The Six Objectives Toward Reaching Your Financial Goals

Increase Cash Flow

  • Earn additional income
  • Manage expenses

Manage Debt

  • Strive to eliminate credit card debt
  • Consolidate debt

Long-Term Planning

  • Focus on long-term planning, not short-term results
  • Plan for inflation and tax efficiency

Proper Protection

  • Protect against loss of income
  • Protect family assets

Emergency Fund

  • Save at least 3–6 months of income
  • Prepare for emergency expenses

Additional Services

  • Long-term care & disability
Financial Lifestyle Strategy

How much can you put toward your strategy?

Fill in whatever applies — leave the rest blank. It adds up automatically as you go.

Monthly income$0
Monthly expenses$0
Discretionary income$0

Estimated Coverage Foundation

$0

Debt balances + 10x annual income + housing + auto lease + education — the D.I.M.E. method applied to what you've entered so far.

Recommended weekly strategy amount

$0 / week

$0 / month

25% of your discretionary income — the benchmark we work with.

This calculator provides an educational estimate based solely on the information you enter — it is not a guarantee of savings capacity, and it is not tax or legal advice. Information entered stays in your browser and is not stored or sent to us unless you choose to submit it.

Client & Household

Fill in the household fields above — the form continues automatically once you're done, or use the button below to see it all now.

60-Second Challenge

The Legacy Score

Five quick scenarios. One honest score. See how protected your family really is — right now, in under a minute.

Just for you — these answers aren't stored or sent anywhere unless you choose to share your results with us.

Round 1 of 5

0 pts

1

Income Shield

Your income stops tomorrow. Your family could keep living the same lifestyle for:

A Family's Journey

Stay Standing

Sixteen years. Sixteen curveballs. Every choice moves the needle — how long can your family stay standing?

You've got 6 seconds per decision. Ready?

Fly & Grow

Nest Egg

Fly your hummingbird through the sky, gather nectar, and dodge the storms — how big can you grow your nest egg?

Drag to fly, or use the arrow keys. Three storm hits and it's over.