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Family Resilience · Authority Guide

Dependents Coverage Multiples by Age

Life and disability coverage should scale with dependent obligations, not just income. Use age-of-youngest-child as the primary anchor.

In this guide

  1. 1 · Executive summary
  2. 2 · Key takeaways
  3. 3 · Key strategies
  4. 4 · Pro-tips checklist
  5. 5 · FAQ
  6. 6 · Related guides & tools

Executive summary

Life and disability coverage should scale with dependent obligations, not just income. Use age-of-youngest-child as the primary anchor.

  • Youngest under 5: life = 15× income
  • Youngest 5–12: life = 12× income
  • Youngest 13–18: life = 10× income

Key takeaways

  • Youngest under 5: life = 15× income
  • Youngest 5–12: life = 12× income
  • Youngest 13–18: life = 10× income
  • Empty nest: life = 5–7× income

Key strategies

  1. Strategy 1

    Youngest under 5: life = 15× income

  2. Strategy 2

    Youngest 5–12: life = 12× income

  3. Strategy 3

    Youngest 13–18: life = 10× income

  4. Strategy 4

    Empty nest: life = 5–7× income

Pro-tips checklist

  • Ladder term policies to match obligation curves
  • Re-run multiples after each child

FAQ

Why use age-of-youngest, not income?

Income changes; obligations are time-bound. The youngest child sets the duration.