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 10 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.)

$
 
   
   
Kasprzak Financial Associates, Inc.
482 Congress Street, Suite 503 • Portland, ME • 04101
Phone: (888) 778-1578 • Fax: (207) 772-5501
• kasprzak_thomas@nlvmail.com

*Securities and investment advisory services are offered solely through registered representatives and investment adviser representatives of Equity Services, Inc., Member FINRA/SIPC, a Broker/Dealer and Registered Investment Adviser, 354 Mountain View Drive, Suite 200, Colchester, VT  05446, 802.864.6819.

Tom Kasprzak is a Registered Representative and Investment Advisor Representative of Equity Services, Inc. and offers securities in Maine, New Hampshire Massachusetts, Virginia and Florida.  He is also licensed to offer insurance in Maine, New Hampshire and Massachusetts. 

Equity Services, Inc., Life Insurance Company of the Southwest, National Life Insurance Company, National Retirement Plan Advisors and Sentinel InvestmentsSM are affiliated.  Each company referenced above is solely responsible for its own financial condition and contractual obligations. NL Financial Alliance is a tradename and distribution channel of National Life Insurance Company, Montpelier, Vermont.  Kasprzak Financial Associates, RBC Trust Company (Delaware Limited) and all other entities referenced are independent of these affiliated companies unless otherwise noted.

 

Trust Services offered by RBC Trust Company (Delware Limited), Wilmington, DE  19850.  Tel:  (302) 892-6900.


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