A. Dependents' annual expenses (housing, taxes, automobile, savings, clothing, giving, insurance, recreation, etc.) $ B. Dependents' annual income (salary, investments, Social Security, pensions, etc.) $ C. Additional annual income needed by your dependents (A minus B calculated for you) $ D. Annual interest rate you assume your dependents can earn on investments % E. Estimated life insurance coverage needed (C divided by D calculated for you) $ Written by Staff Published: 01/10/2020