Life Needs Analysis

How much life insurance do you need? The answer isn't really how much life insurance you need... it's how much investment capital your family will need at the time of your death. Their need for capital, on a gross basis, is really a function of two variables: how much will be needed at death to meet immediate obligations; and how much future income is needed to sustain the household. The Survivor Needs Analysis Calculator helps you make a preliminary assessment of your family's financial needs once you have passed away, estimating for you the amount of life insurance you will need to cover the expenses that your family will not be able to pay by themselves.

Based on your financial situation and obligations, enter your costs in the field below.

Final Expenses & Funeral Costs
Your Outstanding Mortgage
Other Debt
Educational Needs
Monthly Income to your Survivors
Years Income is to be provided
Current Investments including Retirement Assets
Current Life Insurance Protection
After-Tax Return on Investments
Inflation Rate

Life Events

Home & Family

Work & Business

Health & Dependency

Retirement & Legacies

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