Life Insurance Needs Analysis
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Family Needs
1. Final Expenses
(6 x monthly income up to $25,000 total) 		$
2. Unforeseen Expenses
(Approx. 6 x monthly income up to $20,000 total) 		$
3. Mortgage Balance or Rent Fund
(Rent - 10 yrs) 		$
4. Childrens' Education
($20,000 x the number of children under 18) 		$
5. Income Replacement
Assuming you have taken care of Items 1 - 4,
how much of your net income do you want to
provide your beneficiaries (after your death)
on an annual basis?

The amount of money required to earn this amount annually
would be the $ annual amount ÷
expected rate of return. (e.g. $50,000 ÷ .10 = $500,000)

+$
TOTAL NEEDS $
Assets Available To Meet Your Needs
1. Current Life Insurance (Term/Permanent/Group) $
2. Estimated Total Savings & Investments
(Excluding Home Equity) 		$
3. Other Certain Sources of Funds $
TOTAL ASSETS $
TOTAL NEEDS $
TOTAL ASSETS -$
ADDITIONAL LIFE
INSURANCE NEEDED 		$

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For your Additional Life Insurance Needs, please review
our Group Term or Individual Term Life Insurance Programs.