Life Insurance  
Providing for your family in the event or your death is a fundamental of risk management. And life insurance benefits that replace your income may be one of the best ways to meet your family’s ongoing financial needs. This calculator is designed to help you estimate the amount of life insurance you would need to produce a sufficient income stream for your family.
     

What is your current income before taxes?

$

What percentage of this income will your family need?

%

For how many years will your family need this income?

What do you expect the rate of inflation to be over this time period?
Note: In recent years, inflation has been 3 percent.

%

What investment return do you expect your family to earn over this time period (0 percent to 12 percent)?

%

Enter the total of any one-time payments that your family will have. (E.g., funeral costs, future college costs, home mortgage, and any other debts you want the insurance to pay.)

$
 
   
   
St Louis Financial Planner, St Louis Financial Advisor, 4th Quarter Financial Coach
16925 Manchester Road, Suite 5
 • Wildwood, MO • 63040
Phone: (636) 458-8050 • Fax: (636) 458-8055
www.4thqcoach.com • joe@4thqcoach.com

Securities & Investment Advisory Services offered through H. Beck, Inc. Member FINRA / SIPC.  H. Beck and 4th Quarter Financial Coach are not affiliated.

Joe High is registered to sell securities in Missouri, Kansas, Illinois, Ohio, Iowa, Florida, and Colorado.  Joe High is also licensed to sell insurance products in the states of Florida, Illinois, Kansas, Missouri, and Ohio. This is not an offer or solicitation to sell securities or insurance in any other state or jurisdiction.