Every family has unique circumstances that can make it difficult to estimate needs. Take a few minutes to use this simple form and we can help you find the right amount to protect your loved ones.

Step 1: Income Needs

Estimate the income you will need to replace if you or your partner passed away.

  You Your Spouse
Annual Income info
Income your family would need to replace if you or your partner passed away
$
$
Other Income info
$
$
Years Needed info
Number of years your beneficiaries would need the income support
 
 
Income to be replaced

Step 2: Major Expenses

Estimate major expenses you may leave behind or want to plan ahead for.

Immediate You Your Spouse
Final Expenses Final expenses are Typically the greater of $15,000 or 4% of your estate. This would include uncovered medical costs, funeral expenses, and final estate settlement costs. Note: If your estate is over $1,500,000 your final expenses may be much higher due to federal and state estate or inheritance taxes.
$
$
Mortgage Mortgage balance to be paid off.
$
$
Loans & Debts Include credit card debt, car loans, home equity loans.
$
$
College Costs 
$
$

Step 3: Assets

  You Your Spouse
Savings and Investments Include other real-estate, retirement plans, investments or inheritance.
$
$
Existing Life Insurance 
$
$
 
 

Estimate

  You Your Spouse
Total Expenses
$
$
Total Assets
$
$

 
Life Insurance Requirement info
$
$