Question #1:

When the insured person dies, how much annual income is needed (before tax)?

Question #2:

For how long will the beneficiaries or dependents need income?

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.

Question #4:

Inflation varies depending on a number of factors, but generally 2-3% is a reasonable long-term average.


The total is the amount of life insurance you may need to restore your annual income.