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 Formula Estimated Dollar Amount
1.  Income Replacement 7-10 Times your annual income $                                     
2. Mortgage/Rent Your remaining outstanding mortgage or estimate of rental costs $                                     
3.  Outstanding Debt Outstanding loans, credit card debt, and other debt $                                     
4.  College Education Estimated cost of college per year, multiplied by four, then by the number of children $                                     
5.  Emergency Fund 25% to 50% of your annual income $                                     
6.  Funeral Cost Approximately $20,000 (moderate cost) $  20,000                   
7.  Total Cash Needed Add parts 1 through 6 $                                     
8. Total available Liquid Assets Cash, savings, checking, retirement funds, existing life policies, investments. $                                     
9.  INSURANCE NEED Part 7 minus part 8 $                                     

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