Life Insurance  
Providing for your family in the event or your death is a fundamental of risk management. And life insurance benefits that replace your income may be one of the best ways to meet your family’s ongoing financial needs. This calculator is designed to help you estimate the amount of life insurance you would need to produce a sufficient income stream for your family.
     

What is your current income before taxes?

$

What percentage of this income will your family need?

%

For how many years will your family need this income?

What do you expect the rate of inflation to be over this time period?
Note: In recent years, inflation has been 3 percent.

%

What investment return do you expect your family to earn over this time period (0 percent to 10 percent)?

%

Enter the total of any one-time payments that your family will have. (e.g., funeral costs, future college costs, home mortgage, and any other debts you want the insurance to pay.)

$
 
   
   
Scott M. Culiner, CFP
901 Dulaney Valley Rd. Suite 700 • Towson, MD • 21204
Phone: Office-(410) 823-3399
Cell- (410) 340-0875 		• Fax: (410) 823-4144
• sculiner@jhnetwork.com

8607 WESTWOOD CENTER DRIVE , 3RD FLOOR - VIENNA, VA 22182 - 703-893-2550

We are licensed to sell Insurance Products in the following states:
Maryland, Pennsylvania.

We are registered to sell Securities in the following states:
California, Colorado, Florida, Georgia, Maryland, North Carolina, Pennsylvania, Texas, Virginia.

Offering John Hancock insurance products.
Securities and Investment Advisory Services offered through Signator Investors, Inc.,
Member FINRA, SIPC, a Registered Investment Advisor.

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