State AlabamaArizonaArkansasCaliforniaColoradoConnecticutDelawareDist.ColumbiaFloridaGeorgiaIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming Question #1: When the insured person dies, how much annual income is needed (before tax)? $10,000$15,000$20,000$25,000$30,000$35,000$40,000$45,000$50,000$55,000$60,000$65,000$70,000$75,000$80,000$85,000$90,000$95,000$100,000$110,000$120,000$130,000$140,000$150,000$160,000$170,000$180,000$190,000$200,000$225,000$250,000$275,000$300,000$325,000$350,000$375,000$400,000$425,000$450,000$475,000$500,000 Question #2: For how long will the beneficiaries or dependents need income? 5 Years10 Years15 Years20 Years25 Years30 Years35 Years40 Years45 Years Question #3: What annual interest rate (%) do you feel you can earn on the invested proceeds of your life insurance? Please keep in mind that higher rates of return usually come with higher risk of underperforming your expectation. 0 %1 %2 %3 %4 %5 %6 %7 %8 % Question #4: Inflation varies depending on a number of factors, but generally 2-3% is a reasonable long-term average. 0 %1 %2 %3 %4 %5 %6 % Total: The total is the amount of life insurance you may need to restore your annual income.