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Life Insurance Needs Estimator


By entering the figures below you can estimate your life insurance needs. The total estimation will appear at the bottom of this screen.

Adding up the Liabilities
 L1  Amount required to pay off the balance of the mortgage (including penalties and legal commissions and fees) $ 
 L2  Amount required to pay off personal debts (including credit cards, personal loans, tuition loans , car loans, etc.) $ 
 L3  Emergency reserve fund (including funding for extraordinary medical expenses and a reserve for emergency and unexpected expenses) $ 
 L4  Final expenses (including income taxes, probate fees, lawyers' commissions and fees, accounting fees, other administrative commissions and fees and funeral costs) $ 
  Immediate Cash Liabilities at Death $ 
     
 C0  Childrens' education fund
 
Number of Children child/children 
Cost per Year per Child $ 
Years Needed Per Child yrs. 
 
     
 L5  Total  (Childrens' education fund) $ 
     
 I0  Funding for replacement of lost income
 
income: $ 
Percentage of income
required for survivors (i.e. 90%)		 % 
Number of years over which
income continuation will be required		 yrs. 
Anticipated Interest expected
on investment of funds:		 %
Income is to be
indexed (for inflation)		 %
 
 
 L6  Total (Provision for income funding) $ 
     
 TOTAL LIABILITIES:  $ 

 
 
Current Assets:
 CA1  Liquid Assets: (Including bank accounts, mutual funds, certificates of deposit, stocks, bonds and cash)  $ 
 CA2 Face (coverage) amount of all life insurance policies in force $ 
  TOTAL OF CURRENT LIQUID ASSETS & IN-FORCE LIFE INSURANCE:  $ 


Total Liabilities (from above)
 $ 
minus
-
Total Assets (from above)
 $ 
equals
=
Additional life insurance coverage need estimate
 $ 

The amount shown in the yellow box is an estimate of the amount of life insurance coverage that you may need IN ADDITION to existing coverage that you have included under

Note:  A negative amount in the yellow box (a minus sign in front of the amount) may indicate that you may be adequately covered for those liabilities and contingencies that you have included in the above estimate calculator
 



Request To Be Contacted

Would you like one of our staff to contact you about your life insurance needs? Feel free to fill out the form below and we will get in touch with you.

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