Tools
Calculators
Run the numbers before you talk to anyone selling you a product.
Human Life Value
Annual income × 100 ÷ rate of interest.
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Cover Needed
5–10× salary plus debts and dependants.
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Education Cost
Future cost of education adjusted for inflation.
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Retirement
Lump sum needed at retirement.
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Medical Fund
Self-insured medical buffer goal.
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Life Insurance Cost Index
Surrender Cost Index & Net Payment Cost Index.
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