Comprehensive Life Insurance Need

Full needs-based analysis: income replacement, final expenses, debts, and education — less what you already have.

Annual income to replace ($)

Years of income replacement

Funeral / final expenses ($)

Outstanding debts (mortgage + other) ($)

Future college / education needs ($)

Current life insurance ($)

Current savings / investments ($)

Investment return (%)

Inflation (%)

Insurance shortfall

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Total need

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Income replacement (PV)

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Existing coverage + assets

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