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              Tools & Calculators

              Calculate Your Life Insurance Needs

              icon-liabilities
              What liabilities do you have?

              Liabilities could include your mortgage, car loans, credit card debt or any other debt you might have.

              Total $ 0
              icon-income
              What income do you want to replace?

              How much would your family need for ongoing living expenses if they could no longer rely on your income? How long would they need the income – until your spouse reaches retirement or maybe until the children graduate college?

              Total Income to Replace (pre-tax) $ 0
              icon-final-expenses
              What final expenses do you expect?

              Final expenses can include medical expenses, short-term living expenses for your family (including emergency savings) and funeral costs. If you need a starting point, we recommend estimating $15,000.

              Total $ 0
              icon-education-expenses
              What are your family's education needs?

              Are there any future education expenses you'd like to cover, such as college or private school tuition for your children or grandchildren?? (Reduce this amount by any dedicated education savings.)

              icon-charity
              Would you like to leave something for your heirs or charity?

              Enter any additional amount or inheritance you'd like to leave your loved ones here.

              icon-family-inheritance
              What assets would be available for your family?

              This would include any additional assets that were not captured by the other inputs, such as current life insurance policies, business or real estate investments or any other investments.

              Different types of investments have different tax implications. Be sure to discuss this with your qualified tax professional.

              Total $ 0

              Assumptions

              If you're unsure, we recommend estimating 3.00%.

              State and Federal

              This is the rate of return your loved ones would expect to receive if they invested their life insurance proceeds. We recommend estimating 6.0%.

              Life Insurance Needs Results

              Need Met by Current Coverage & Assets $ 0
              Total Life & Legacy Need $ 0
              Coverage Shortfall $ 0

              Details

              icon-liabilities Liabilities $ 0
              icon-income Income Replacement ###
              icon-final-expenses Final Expenses $ 0
              icon-education-expenses Education $ 0
              icon-charity Legacy ###
              Total Life & Legacy Need $ 0
              Inflation Rate
              Income Tax Rate
              Rate of Return
              Current Life Insurance $ 0
              Available Assets $ 0
              Need Met by Current Coverage & Assets $ 0
              Coverage Shortfall $ 0

              Find a Financial Advisor

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              Select a State and then enter a last name

                Are you covered?

                Help protect your family's financial future with life insurance.

                Read more

                When is perm better than term?

                For life insurance needs of 20 years or more, permanent insurance may be a better option.

                Read more

                Do you have a short-term insurance need?

                Term life insurance might be a better option.

                Learn more
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