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Life Insurance Gap Analyzer: The Institutional DIME Architecture

Calculate your family's exact capital requirement using the actuarial DIME method: Debt elimination, Income replacement until youngest child reaches independence, Mortgage retirement, and Education prefunding.

D • Debt & Final Expenses

Liability Elimination

Immediate payoff of credit cards, personal loans, auto debt, and final arrangement costs ($15,000 baseline) preventing creditor claims on surviving estate assets.

I • Income Replacement

Earning Stream Continuity

Replaces your annual earnings for the full runway until your youngest dependent reaches adulthood (age 22) or a 10-year baseline runway.

M • Mortgage Retirement

Shelter Security

Eliminates the principal mortgage balance entirely so surviving dependents own their primary residence debt-free without ongoing debt service friction.

E • Education & Reserves

Generational Capital

Dedicated collegiate tuition funding per dependent child alongside a mandatory 6-month living expense liquidity buffer.

The Carl Brent Anthony 1.5% Risk Cap & Capital Defense Doctrine

High-expectancy trading requires ruthless offense in the market paired with ironclad defense at home. Under the CBA institutional doctrine:

  • Separation of Risk: Trading equity must never be exposed to catastrophic domestic liability. Proper term life insurance insulates trading capital from emergency forced liquidations.
  • Term vs. Permanent Insurance: Buy low-cost, pure level-term insurance for the 20 to 30 years dependents are vulnerable, and direct excess cash flow into disciplined market compounding rather than high-fee whole life structures.
  • Weekly Sovereign Sweeping: Realized market profits should systematically fund personal liquid reserves, debt extinguishment, and family emergency liquidity.