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Needs Analysis

An easy-to-use calculator, designed to produce a professional and personalized document that you, the life insurance professional, can print and present to your client.

Client Name (Optional)

Taxes at Death / Final Expenses

Current annual income after tax

Percentage of income required for survivors (%)

Anticipated annual inflation rate (%)
Number of years the income would be needed by survivors
Anticipated annual rate of return on the invested life insurance proceeds after tax (%)
Click on "Calculate" to determine the amount of life insurance needed


Click here for instructions for the Needs Calculator

Click here for a discussion of different Needs Analysis Approaches