Life Insurance Needs Calculator

Many experts recommend buying a life insurance policy equal to 10 to 20 times your annual income, but there are other factors to consider. The Spectrum Direct needs calculator can help you estimate your life insurance needs based on your own assumptions and personal data.

Complete the form below with whole numbers only (ex: 50000) no commas.

Income and Assets

Your current income	$
Years spouse need your annual income
Annual investment income	$
Existing liquid assets	$
Existing life insurance coverage	$

Debts and Expenses

Outstanding mortgage balance	$
Outstanding loans	$
Final expenses	$

Child Support and College

Child	Monthly cost	Years of support	College expenses
1	$	years	$
2	$	years	$
3	$	years	$
4	$	years	$
5	$	years	$

Additional Recommended Life Insurance: $

The life insurance needs calculator should be used only as a guide and
should not be considered a recommendation.

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