Human Life Value

Think about the tangible possessions you value in your life. Many of these items represent valuable property- such as a car, a house, or possibly a business, each of which you insure against unexpected loss. Your life also has value. In fact, you are the most valuable piece of property that you own. When you think about life insurance, think about the value of human life and the value of your earning capacity over a lifetime. Your early death results in the substantial loss of future earnings. Life insurance is the one financial product that can offer immediate financial recognition/benefit to your family for the uncollected portion of your future earnings if you died suddenly. The Human Life Value Calculator helps you see how the present value of your future earnings represents a substantial sum of money.

Based on your financial situation, fill in the fields below.

Your Age
Retirement Age
Your Salary
Salary Mode
Effective Income Tax Bracket
Percent of Income Spent on Self-Maintenance
Percent Annual Increase in Income
Value of Fringe Benefits
Non-Monetary Contribution to Family
Percent After-Tax Discount Rate
Current Life Insurance Protection

Life Events

Home & Family

Work & Business

Health & Dependency

Retirement & Legacies

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