Calculate your life insurance needs
A financial needs analysis (FNA) is an overview of your current and future financial situation. It takes into account assets, such as wealth and income, set off against liabilities, such as debt and dependents.
We recommend that you contact us to get the best life insuarance rate according based on yoru financial situation and needs.
The FNA process is strictly confidential.
Liabilities
Amount required to pay off the balance of the mortgage
(including penalties and legal commissions and fees)
Amount required to pay off personal debts
(including credit cards, personal loans, tuition loans , car loans,
etc.)
Emergency reserve fund
(including funding for extraordinary medical expenses and a reserve
for emergency and unexpected expenses)
Final expenses
(including income taxes, probate fees, lawyers’ commissions and
fees, accounting fees, other administrative commissions and fees and
funeral costs)
Immediate Cash Liabilities At Death
Childrens’ Education Fund
Number of Children
Cost per Year per Child
Years Needed Per Child
Total (Childrens’ Education Fund)
Funding for replacement of lost income
Income
Percentage of income required for survivors (i.e. 90%)
Number of years over which income continuation will be required
Anticipated Interest expected on investment of funds:
Income is to be indexed (for inflation)
Total (Provision for income funding)
Total liabilities
Current Assets
Liquid Assets (Including bank accounts, mutual funds, certificates of deposit, stocks, bonds and cash)
Face (coverage) amount of all life insurance policies in force
TOTAL OF CURRENT LIQUID ASSETS & IN-FORCE LIFE INSURANCE
Additional life insurance coverage need estimate
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