Recent Calculations
How much life insurance do you need? Enter your current assets, expenses and income. You can also adjust the inflation rate and your expected rate of return to see how these variables can impact your insurance needs.
Total amount of life insurance coverage you currently have for yourself.
Number of years your spouse will need to use your insurance proceeds to provide for living expenses and income.
Este es el pronóstico para la tasa de inflación media a largo plazo. Una medida común de la inflación en los EE. UU. es el Índice de Precios al Consumidor (IPC). Entre 1925 y 2025, el IPC ha mostrado un promedio a largo plazo del 3.0 % anual. En los últimos 40 años, el IPC más alto registrado fue del 13,5 % en 1980. Durante los 12 meses que terminaron el 30 de noviembre de 2025, el IPC para todos los consumidores urbanos (IPC-U) fue del 2,7%, según informó la Oficina de Estadísticas Laborales de EE. UU. Your total expenses are increased by this rate for each year you require income. The income you would receive from your life insurance policy is used to cover any shortfalls between your expected income from all sources and your expenses.
The annual rate of return for your investments. La tasa de rendimiento real depende en gran medida de los tipos de inversiones que elija. El índice Standard & Poor's 500® (S&P 500®) durante los últimos 10 años que finalizaron el 31 de diciembre de 2025, tuvo una tasa de rendimiento compuesta anual de 14.8 %, con la reinversión de dividendos. Desde el 1 de enero de 1970 hasta el 31 de diciembre de 2025, la tasa de rendimiento compuesta anual promedio del S&P 500®, con la reinversión de dividendos, fue aproximadamente del 11.3 % (fuente: www.spglobal.com). Desde 1970, el rendimiento más alto a 12 meses fue del 61 % (desde junio de 1982 hasta junio de 1983). El rendimiento más bajo a 12 meses fue del -43 % (desde marzo de 2008 hasta marzo de 2009). Las cuentas de ahorro en una institución financiera pagan menos, pero conllevan un riesgo significativamente menor de pérdida de saldos de capital.
Es fundamental tener en cuenta que estos escenarios son meramente hipotéticos y que las tasas de rendimiento futuras no pueden preverse con certeza. Además, las inversiones que ofrecen tasas de rendimiento más altas suelen estar expuestas a un mayor riesgo y volatilidad. La tasa real de rendimiento de las inversiones puede variar significativamente con el tiempo, en especial en las inversiones a largo plazo. También puede implicar la posible pérdida de capital invertido. No es posible invertir directamente en un índice y la tasa de rendimiento compuesta mencionada anteriormente no incluye los cargos por ventas ni otras tarifas que imponen los fondos de inversión o las empresas de inversión.
Insurance products may additionally include mortality, expense risk charges, cost of insurance, administrative, and surrender charges that will have a significant impact on the total rate of return for the investment.
This is your income tax rate. Changing this rate only affects your interest income from your investments. All other income and expenses should be entered on an after-tax basis.
Total you have in cash, checking accounts, savings accounts or other accounts that can be used to help cover expenses.
Total amount of equity in your home that you are willing to use toward your living expenses. Only include the home equity that you consider available to use toward your living expenses. For example, the equity you would make available by selling your home and moving into a smaller one.
Total value of all investments that you are willing to use toward your living expenses.
Any other assets that you may be willing to sell or liquidate.
Taxes that are required to be paid on your assets at death.
Probate costs cover a state's legal fees for disbursing the assets of the deceased. You may incur significant probate costs, depending on your state of residence, even if you have a will.
All costs required to cover the cost of the funeral.
Any medical costs that are not covered by your medical insurance. Make sure to include any deductibles.
Credit card debt, auto loans, home equity loans, mortgages or other debt that you wish to repay. Providing the ability to repay these loans if you were to die can significantly help your family meet their monthly living expenses.
Amounts you wish to provide your surviving children to cover future college expenses.
Any other items that you need to pay with your insurance proceeds.
Income expected from your spouse after your death. If your spouse needs education or retraining, make sure that the starting year for this income provides adequate time to complete.
Depending on your work history, your children may qualify for Social Security benefits. A surviving child's Social Security benefit generally continues to age 18. Once the children are gone, Social Security benefits are generally not available until the widow/widower turns age 60.
Depending on your work history, your family may qualify for Social Security benefits. Typically, Social Security benefits for the widow/widower cease when the youngest child turns 16. Although the child's benefit generally continues to age 18. Once the children are gone, Social Security benefits are generally not available again until the widow/widower turns age 60.
Any other monthly income that your family may receive after your death.
Total monthly expenses for childcare.
Total monthly expenses while your children are living at home. This should include all monthly expenses except child care.
Total monthly expenses after your children have left home. This should include all monthly expenses.
Monthly expenses for your children's education expenses. If your children have not yet entered college, and have no other educational expenses, leave this amount at zero and enter an amount in the college fund entry fields in the total expenses at death section.
Monthly expenses expected to cover any cost of education or retraining for your spouse to re-enter the workforce.
Any other monthly expenses not included above.