Life Insurance

When choosing a policy, it’s important to find one that works best for you and your specific situation. Working with a skilled life insurance consultant at Health Insurance Services can help you find the right type of policy and suggest levels of coverage that are suitable based on your budget.

Download The Life Insurance Needs Analysis Worksheet



Expense:Determining FormulaEstimated Dollar Amount
1.  Income Replacement7-10 Times your annual income$                                     
2. Mortgage/RentYour remaining outstanding mortgage or estimate of rental costs$                                     
3.  Outstanding DebtOutstanding loans, credit card debt, and other debt$                                     
4.  College EducationEstimated cost of college per year, multiplied by four, then by the number of children$                                     
5.  Emergency Fund25% to 50% of your annual income$                                     
6.  Funeral CostApproximately $20,000 (moderate cost)$  20,000                   
7.  Total Cash NeededAdd parts 1 through 6$                                     
8. Total available Liquid AssetsCash, savings, checking, retirement funds, existing life policies, investments.$                                     
9.  INSURANCE NEEDPart 7 minus part 8$                                     

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