Comprehensive Survivor Needs Analysis — Is Your Family Protected?

Survivor Life Insurance Needs

Use this tool to create a professional life insurance needs analysis for your clients and prospects. After completing the information, click the Submit button to generate a PDF report.

Contact Information

	Client	Spouse
First name
Last name
Birthdate (mm-dd-yyyy)
Address
City
State
Zip
Phone

Advisor Information

Advisor name
Title
Company name
Address1
Address2
City
State
Zip
Phone

Income Detail

	Client	Spouse
Annual income
Annual pay increases (%)
Desired retirement age

Available Assets

Liquid/Taxable Investments ($)
Qualified Retirement ($)

Pension & Life Insurance

	Client	Spouse
Annual pension for retirement ($)
Annual (spouse) pension if you were to die ($)
Adjust pension for inflation?
Life insurance in force ($)

Cash Needs

Education costs ($)
Outstanding mortgages ($)
Other debts to pay off ($)
Estimated funeral and related expenses ($)
Estimated estate / administrative expenses ($)

Long-Term Survivor Income Needs

	Initial spending	For how long?	Subsequent spending	For how long?
Annual spending for survivors of client
Annual spending for survivors of spouse

Assumptions and Returns

If client were to die, how much (if any) would the spouse's personal earned income change from the current level? (allow for negative (-) values) ($)
If spouse were to die, how much (if any) would the client's personal earned income change from the current level? (allow for negative (-) values) ($)
Ages of dependent children under 18	1) 2) 3) 4) 5) 6)
Portfolio before-tax return (%)
Marginal tax bracket (%)
Estimated inflation rate (%)

Estas informações podem ajudar você a analisar suas necessidades financeiras. Esse serviço se baseia nas informações e suposições fornecidas por você, em conformidade com suas metas, expectativas e situação financeira. O serviço não deve levar à conclusão de que a empresa assume quaisquer deveres fiduciários. Além disso, você não deve se valer desse serviço como sua única fonte de informações. Essas informações são fornecidas por fontes que acreditamos ser confiáveis, mas não podemos garantir a exatidão delas. Ilustrações hipotéticas podem fornecer dados históricos ou atuais de desempenho. Desempenhos passados não garantem, nem indicam, resultados futuros.