Life Insurance Needs Calculator

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)