1. ANNUAL INCOME YOUR FAMILY WILL NEED IN EVENT OF DEATH 10,000 15,000 20,000 25,000 30,000 35,000 40,000 45,000 50,000 60,000 70,000 80,000 90,000 100,000 150,000 200,000 300,000 400,000 500,000 750,000 1,000,000

2. YEARS REPLACEMENT INCOME NEEDED BY DEPENDENTS 5 10 15 20 25 30 35 40

3. AVERAGE ANNUAL INTEREST (%) ON INVESTED PROCEEDS 4 % 5 % 6 % 7 % 8 % 9 % 10 % 12 %

4. INFLATION ADDED AUTOMATICALLY (3%) - THEN

AMOUNT OF LIFE INSURANCE NEEDED TO REPLACE ANNUAL INCOME IS

5. NOW CONSIDER ADDING OTHER ITEMS SUCH AS

• EDUCATION EXPENSES FOR CHILDREN
• MORTGAGE PAYOFF
• OUTSTANDING DEBTS, SUCH AS CREDIT CARDS
• BUSINESS OBLIGATIONS
  
• $10,000 - $25,000 FINAL EXPENSE POLICIES ARE ALSO AVAILABLE.

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