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  Insurance Calculator for life needs
 


Help for calculating how much life insurance coverage you need and should buy.

Fill in the requested information and please notice that the figure changes automatically as you tab through the form.

 also see:
  Calculator Definitions  I   Decision Chart Term vs. Permanent  Insurance  I Calculator Disclaimer


How much Life Insurance do you need?
Calculate how much life insurance coverage your family may need to cover future expenses
 in the event of  your untimely death.

Consider the following to determine the amount of policy coverage needed:

1. Calculate one-time expenses.
Funeral and probate costs, child education funds or trust accounts, and debts.
2. Calculate your family's future income needs .
   -  When is income needed?
   -  How long is it needed for?-
   -  How will it grow?
3. Calculate future expenses.
What  will expenses be?
How  will they grow?
How long will they last?
4. Calculate major life events for your family members.
What is your spouse's life expectancy?
When will your children enter the workforce?
5. Calculate other factors.

     


Insurance calculator for life needs should be also used to consider:
Average Cost Of A Private College

2002: $24,851 2010: $36,717
2003: $26,094 2011: $38,553
2004: $27,399 (2 years) 2012: $40,480 (10 years)
2005: $28,769 2013: $42,504
2006: $30,207 2014: $44,630
2007: $31,717 (5 years) 2015: $46,861
2008: $33,303 2016: $49,204
2009: $34,968 2017: $51,664 (15 years

Over a lifetime, a college graduate will earn $1 million more than someone with only a high school diploma.     AVERAGE YEARLY INCOME OF ALL WORKERS  AGE 25 AND UP

No high school diploma or GED: $22,200
High school diploma/GED: $30,084
Some college, no degree: $35,160
Associate degree: $37,482
Bachelor's degree: $53,356
Master's degree: $62,820
Doctoral degree: $88,589
Professional degree: $115,649
Source: U.S. Census Bureau, 2004


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TermLifeAmerica.com- Lewis Fink is licensed as an insurance agent offering Life Insurance in the following states: Alabama - AL, Arkansas - AR, California - CA, Colorado - CO, Connecticut - CT, Delaware - DE, District of Columbia - DC, Florida - FL, Georgia - GA, Idaho - ID, Illinois - IL, Indiana - IN, Iowa - IA, Kansas - KS, Kentucky - KY, Louisiana - LA, Maine - ME, Maryland - MD, Massachusetts - MA, Michigan - MI, Mississippi - MS, Missouri - MO, Montana - MT, Nebraska - NE, New Mexico - NM, New Jersey - NJ, New York - NY, North Carolina - NC, North Dakota - ND, Ohio - OH, Oklahoma - OK, Pennsylvania - PA, Rhode Island - RI, South Carolina - SC, South Dakota - SD, Tennessee - TN, Texas - TX, Utah - UT, Vermont - VT, Virginia - VA, and Wisconsin - WI.  


Not all insurance products from all insurance companies are available in all states.
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