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 (%)

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.