Income Protection

Life Insurance Need Calculator
This calculator will help you to decide how much life insurance you need if your survivors invest the life insurance benefits they receive.
Funeral cost, estate taxes, etc. ($):
Amount needed to pay off non-mortgage debt ($):
Amount needed in emergency fund ($):
Amount needed in college fund ($):
Expected average annual living expenses ($):
Expected spouse's average annual income after taxes ($):
Annual Social Security Benefits ($):
Spouse's current age (#):
Value of current liquid assets ($ total of savings, investments, etc.):
Expected survivor's investment strategy:

Life insurance needs:
Life Insurance Need Calculator, Copyright © 2002 - 2011, Daniel C. Peterson, All Rights Reserved. Web Winder Website Services, Providing Online Calculators for Websites since 1997.

Being off work for a long period can have a huge financial effect on your household, particularly if you are the sole provider. If you are off work due to an accident or illness, the last thing you need is pressure from unpaid loan, education and household bills. We can help you put an insurance policy in place so that you can continue to receive a regular income if you are off work.

How we can assist:

Our team can source the best premiums available. Capital Financial Planning has access to a range of products and can help you find the best one to suit your needs.

Compare what policies cover and what they don’t. Every policy is different. We can help you work through the maze of insurance jargon to ensure that you get exactly the sort of policy you need.

Disclose everything. Make sure you are upfront when submitting an application for insurance. If you don’t tell the full story you may find out you are not fully insured when you need to make a claim!

We will ensure you have enough cover – how much do you currently earn? How much are you likely to earn over the period of the policy? Our qualified consultants will work with you to work out exactly how much you need.