Insurance Needs Analysis


To buy the right insurance for you, we only need to answer a few questions. 

  • What is the need?  Is it temporary or permanent? 
  • Who is it for? 
  • How much do I need? 
  • Do I care? – That’s right, we said that.  If you don’t care, don’t buy it.  Just be informed and know what you’re saying no too. 

Note that we left out cost? Remember – Insurance products are for disasters.  If you care then the priority for such products in your financial world should be right after food, clothing and shelter and right before long term investing, vacations and shiny toys!  Use a broker to get the most cost-effective solution on the market and accept that the cost is what it is.  Focus on becoming wealthier, not cutting corners on basic protections.

Ready to go through our needs analysis tool with one of our consultants?

Complete the following needs analysis or Contact Us and we’ll be happy to complete the form with you.

Want more meat?  Click Here to Read On…

Step 1 of 2 - Data

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    Life Insurance Needs Analysis

  • Cashflow

  • Please enter a number greater than or equal to 1.
    Include all income sources.
  • Please enter a number from 0 to 100.
    Percentage of your income required for survivors.
  • Please enter a number from 2 to 15.
    Annual rate of return on the invested life insurance proceeds after tax and depreciation.
  • Please enter a number from 1 to 100.
    Number of years the income would be needed by the survivors.
  • Assets

    Please include all assets that are available to be used by the survivors to cover living expenses.
  • Debts and Expenses

    Please include mortgages, loans, credit cards, line of credits and any other immediate major expenses that should be paid out on death.
  • Children Education

    Please include the total amount of funds to be left for each child's education.
  • Final Expenses

    Please include expenses such as funeral, legal, estate taxes, executor fees, etc.
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    IA Formula for Income Needed Over Time Debts + Education + Income Needed - Assets Income Needed Formula Total Income x (1-(1+Rate of Return) to the Power of -Years Required) / Rate of Return
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