WGG - Disability Introduction

Life Insurance Analyzer:

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LIFE INSURANCE NEEDS ANALYZER
Calculate How Much Life Insurance You Need
Part I: Family Income Replacement
Family Income (Annual)	Your Gross Income
	Spouse's Gross Income	+
	Other Gross Income	+
	Total Gross Income	=
Income to Be Replaced (Annual)	How much income will your family need to live comfortably? (Typically 80% of your gross income)	X	%
	Total Replacement Income Needed	=
	Available Income (spouse's income, social security, etc)	-
	Net Replacement Income Needed	=
	Expected Rate of Return (5%)	/	%
	Assets needed to produce Net Replacement Income	=
Available Investable Family Assets	Savings
	Investment Portfolio	+
	Current Life Insurance	+
	Other Assets	+
	Total Available Investable Family Assets	=
Life Insurance Needed for Income Replacement	(Subtract Total Investable Family Assets from assets needed for Net Replacement Income
Part II: Debt, College, and Other Funding Needed
Debt Repayment	Mortgage
	Auto Loan	+
	Consumer Debt	+
	Other Debt	+
	Total Debt	=
College Funding	No. of kids ages 0-9 0 1 2 3
	Cost of sending your 0-9 year old(s) to college
	No. of kids ages 10-14 0 1 2 3
	Cost of sending your 10-14 year old(s) to college	+
	No. of kids ages 15-19 0 1 2 3
	Cost of sending your 15-19 year old(s) to college	+
	Total cost of sending your child/children to college	=
Other Expenses	Funeral (typical cost of a funeral is approx. $5,000
	Special Bequests	+
	Other Expenses	+
	Total Expenses	=
Total Insurance Needed	Total Additional Expenses (Add Debt, College, and Other)
	Income Replacement Insurance Needed (from Part I)	+
	Total Life Insurance Needed (add together)	=
Part III: Personal Information
What is your name?	Last
What is your name?	First
What is your address?	Street
	City
	State
	Zip
What is your telephone number?	Phone
What is your email address?	Email
Please let us know the best time to call and discuss your quote.	Morning Afternoon Evening Anytime		Or specify other:


	Wealth Guardian Group 3969 E Brae Voe Way \| Queen Creek, AZ 85240 Phone (480) 987-9951 Fax (480) 445-9319

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