How Much Should I Get?

<!-- [et_pb_line_break_holder] --> <script language="JavaScript"><!-- [et_pb_line_break_holder] --><!--<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->var DHTML = false;<!-- [et_pb_line_break_holder] -->var IE4 = (document.all && !document.getElementById) ? true : false;<!-- [et_pb_line_break_holder] -->var NS4 = (document.layers) ? true : false;<!-- [et_pb_line_break_holder] -->var IE_DHTML = (document.all && document.getElementById) ? true : false;<!-- [et_pb_line_break_holder] -->var NS_DHTML = (document.getElementById && !document.all) ? true : false;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->if (NS_DHTML || IE_DHTML)<!-- [et_pb_line_break_holder] --> DHTML = true;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->function readCurrencyFormat(num,sepString) {<!-- [et_pb_line_break_holder] --> if (!sepString) sepString=",.";<!-- [et_pb_line_break_holder] --> while (num.indexOf(sepString.charAt(0))>-1) {<!-- [et_pb_line_break_holder] --> num=num.substr(0,num.indexOf(sepString.charAt(0)))+num.substr(num.indexOf(sepString.charAt(0))+1) ;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> if (num.indexOf(sepString.charAt(1))>-1)<!-- [et_pb_line_break_holder] --> num=num.substr(0,num.indexOf(sepString.charAt(1)))+'.'+num.substr(num.indexOf(sepString.charAt(1))+1);<!-- [et_pb_line_break_holder] --> return parseFloat(num);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->function writeCurrencyFormat(num,dp,sepString) {<!-- [et_pb_line_break_holder] --> // check if it starts with a letter, and make 0 if so<!-- [et_pb_line_break_holder] --> if ((num-0) != num) num= "0";<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> if (!dp) dp=0;<!-- [et_pb_line_break_holder] --> if (!sepString) sepString=",";<!-- [et_pb_line_break_holder] --> num=Math.round(num*Math.pow(10,dp));<!-- [et_pb_line_break_holder] --> num=num.toString();<!-- [et_pb_line_break_holder] --> str=sepString.charAt(1)+num.substr(num.length-dp);<!-- [et_pb_line_break_holder] --> num=num.substr(0,num.length-dp);<!-- [et_pb_line_break_holder] --> while (num.length>3) {<!-- [et_pb_line_break_holder] --> str=sepString.charAt(0)+num.substr(num.length-3)+str;<!-- [et_pb_line_break_holder] --> num=num.substr(0,num.length-3);<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> str=num+str;<!-- [et_pb_line_break_holder] --> return str;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->function format_number(Obj) {<!-- [et_pb_line_break_holder] --> Obj.value=writeCurrencyFormat(readCurrencyFormat(Obj.value));<!-- [et_pb_line_break_holder] --> return Obj.value;<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->function update_need() {<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> document.forms[0].final_total_liabilitites.value = document.forms[0].total_liabilities.value ;<!-- [et_pb_line_break_holder] --> document.forms[0].final_total_assets.value = document.forms[0].total_assets.value ;<!-- [et_pb_line_break_holder] --> document.forms[0].need.value = writeCurrencyFormat(<!-- [et_pb_line_break_holder] --> parseInt(readCurrencyFormat(document.forms[0].final_total_liabilitites.value)) -<!-- [et_pb_line_break_holder] --> parseInt(readCurrencyFormat(document.forms[0].final_total_assets.value)) );<!-- [et_pb_line_break_holder] --> document.forms[0].need_for_quote.value = parseInt(readCurrencyFormat(document.forms[0].need.value));<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> if (IE4 || DHTML) {<!-- [et_pb_line_break_holder] -->// if from wq Coverage Amount button<!-- [et_pb_line_break_holder] -->// add amount to last item in coverage amount selection list and select it<!-- [et_pb_line_break_holder] --> add_to_wq_ca(opener.document.wq);<!-- [et_pb_line_break_holder] --> document.links[document.links.length-1].href = "javascript:self.close()";<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> else if (NS4) {<!-- [et_pb_line_break_holder] -->// if from wq Coverage Amount button<!-- [et_pb_line_break_holder] -->// add amount to last item in coverage amount selection list and select it<!-- [et_pb_line_break_holder] --> add_to_wq_ca(opener.document.wq.Layer1);<!-- [et_pb_line_break_holder] --> document.links[document.links.length-1].href = "javascript:self.close()";<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->// add analysis value to wq coverage amount selection list<!-- [et_pb_line_break_holder] -->function add_to_wq_ca(obj) {<!-- [et_pb_line_break_holder] -->//selection text<!-- [et_pb_line_break_holder] --> tmpCovAmountText= "$" + document.forms[0].need.value;<!-- [et_pb_line_break_holder] -->//alert("tmpCovAmountText="+tmpCovAmountText +", document.forms[0].need.value="+document.forms[0].need.value);<!-- [et_pb_line_break_holder] -->//selection value<!-- [et_pb_line_break_holder] --> tmpCovAmountValue=document.forms[0].need.value;<!-- [et_pb_line_break_holder] -->// tmpCovAmountValue = tmpCovAmountValue.replace(/,/g, "");<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->// search for a match - avoids duplicate entries<!-- [et_pb_line_break_holder] -->//alert("opener.button_source="+opener.button_source);<!-- [et_pb_line_break_holder] --> if (opener.button_source == 1) {<!-- [et_pb_line_break_holder] --> for (searchCount = 0; searchCount < opener.document.wq["First Client Premium"].length; searchCount++) {<!-- [et_pb_line_break_holder] --> if (opener.document.wq["First Client Premium"][searchCount].value == tmpCovAmountValue)<!-- [et_pb_line_break_holder] --> return false;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> else if (opener.button_source == 2) {<!-- [et_pb_line_break_holder] --> for (searchCount = 0; searchCount < opener.document.wq["Second Client Premium"].length; searchCount++) {<!-- [et_pb_line_break_holder] --> if (opener.document.wq["Second Client Premium"][searchCount].value == tmpCovAmountValue)<!-- [et_pb_line_break_holder] --> return false;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> if (IE4 || IE_DHTML) {<!-- [et_pb_line_break_holder] --> addCovAmount = opener.document.createElement('OPTION');<!-- [et_pb_line_break_holder] --> addCovAmount.text = tmpCovAmountText;<!-- [et_pb_line_break_holder] --> addCovAmount.value = tmpCovAmountValue;<!-- [et_pb_line_break_holder] --> if (opener.button_source == 1) {<!-- [et_pb_line_break_holder] --> opener.document.wq["First Client Premium"].options.add(addCovAmount);<!-- [et_pb_line_break_holder] --> opener.document.wq["First Client Premium"].options[opener.document.wq["First Client Premium"].length-1].selected = true;<!-- [et_pb_line_break_holder] --> opener.document.wq.ca_analysis.value = tmpCovAmountText;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> else if (opener.button_source == 2) {<!-- [et_pb_line_break_holder] --> opener.document.wq["Second Client Premium"].options.add(addCovAmount);<!-- [et_pb_line_break_holder] --> opener.document.wq["Second Client Premium"].options[opener.document.wq["Second Client Premium"].length-1].selected = true;<!-- [et_pb_line_break_holder] --> opener.document.wq.ca_analysis2.value = tmpCovAmountText;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> return true;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> else if (NS4 || NS_DHTML) {<!-- [et_pb_line_break_holder] --> if (opener.button_source == 1) {<!-- [et_pb_line_break_holder] --> optionLength = opener.document.wq["First Client Premium"].options.length;<!-- [et_pb_line_break_holder] --> opener.document.wq["First Client Premium"].options[optionLength] = new Option(tmpCovAmountText, tmpCovAmountValue, 0, true);<!-- [et_pb_line_break_holder] --> opener.document.wq["First Client Premium"].options[opener.document.wq["First Client Premium"].length-1].selected = true;<!-- [et_pb_line_break_holder] --> opener.document.wq.ca_analysis.value = tmpCovAmountText;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> else if (opener.button_source == 2) {<!-- [et_pb_line_break_holder] --> optionLength = opener.document.wq["Second Client Premium"].options.length;<!-- [et_pb_line_break_holder] --> opener.document.wq["Second Client Premium"].options[optionLength] = new Option(tmpCovAmountText, tmpCovAmountValue, 0, true);<!-- [et_pb_line_break_holder] --> opener.document.wq["Second Client Premium"].options[opener.document.wq["Second Client Premium"].length-1].selected = true;<!-- [et_pb_line_break_holder] --> opener.document.wq.ca_analysis2.value = tmpCovAmountText;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> return true;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> return false;<!-- [et_pb_line_break_holder] -->};<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->function update_liabilities() {<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> document.forms[0].total_liabilities.value = writeCurrencyFormat(<!-- [et_pb_line_break_holder] --> parseInt(readCurrencyFormat(document.forms[0].mortgage.value)) +<!-- [et_pb_line_break_holder] --> parseInt(readCurrencyFormat(document.forms[0].debt.value)) +<!-- [et_pb_line_break_holder] --> parseInt(readCurrencyFormat(document.forms[0].emergency.value)) +<!-- [et_pb_line_break_holder] --> parseInt(readCurrencyFormat(document.forms[0].funeral.value))+<!-- [et_pb_line_break_holder] --> parseInt(readCurrencyFormat(document.forms[0].total_college.value)) +<!-- [et_pb_line_break_holder] --> parseInt(readCurrencyFormat(document.forms[0].total_income.value)) );<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> document.forms[0].tot_cash_liab.value = writeCurrencyFormat(<!-- [et_pb_line_break_holder] --> parseInt(readCurrencyFormat(document.forms[0].mortgage.value)) +<!-- [et_pb_line_break_holder] --> parseInt(readCurrencyFormat(document.forms[0].debt.value)) +<!-- [et_pb_line_break_holder] --> parseInt(readCurrencyFormat(document.forms[0].emergency.value)) +<!-- [et_pb_line_break_holder] --> parseInt(readCurrencyFormat(document.forms[0].funeral.value)) );<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> update_need();<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->function update_assets() {<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> document.forms[0].total_assets.value = writeCurrencyFormat(<!-- [et_pb_line_break_holder] --> parseInt(readCurrencyFormat(document.forms[0].assets.value)) +<!-- [et_pb_line_break_holder] --> parseInt(readCurrencyFormat(document.forms[0].life.value)) );<!-- [et_pb_line_break_holder] --> update_need();<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->function update_income() {<!-- [et_pb_line_break_holder] --> tmpIndex=document.forms[0].frequency.selectedIndex;<!-- [et_pb_line_break_holder] --> freq = document.forms[0].frequency.options[tmpIndex].value;<!-- [et_pb_line_break_holder] --> if (document.forms[0].indexed.value != 0.00)<!-- [et_pb_line_break_holder] --> fract_index = factorForPeriod(1 + parseFloat(document.forms[0].indexed.value/100), freq);<!-- [et_pb_line_break_holder] --> else<!-- [et_pb_line_break_holder] --> fract_index = 1;<!-- [et_pb_line_break_holder] --> var r_sum = 0;<!-- [et_pb_line_break_holder] --> var r_income = readCurrencyFormat(document.forms[0].income.value) * (document.forms[0].family_percentage.value / 100);<!-- [et_pb_line_break_holder] --> var fract_discount = factorForPeriod(1 + parseFloat(document.forms[0].interest.value/100), freq);<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> for (i = 1; i <= parseInt(document.forms[0].income_years.value) * freq; i++) {<!-- [et_pb_line_break_holder] --> r_sum = r_sum + r_income;<!-- [et_pb_line_break_holder] --> r_income = r_income * fract_index / fract_discount;<!-- [et_pb_line_break_holder] --> }<!-- [et_pb_line_break_holder] --> document.forms[0].total_income.value = writeCurrencyFormat(r_sum);<!-- [et_pb_line_break_holder] --> update_liabilities();<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->function factorForPeriod(r_appr, freq)<!-- [et_pb_line_break_holder] -->{<!-- [et_pb_line_break_holder] --> return Math.exp(Math.log(r_appr)* 1 / freq);<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->function update_college () {<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> document.forms[0].total_college.value = writeCurrencyFormat(<!-- [et_pb_line_break_holder] --> parseInt(document.forms[0].children.value) *<!-- [et_pb_line_break_holder] --> parseInt(readCurrencyFormat(document.forms[0].cost_per_child.value)) *<!-- [et_pb_line_break_holder] --> parseInt(document.forms[0].tuition_years.value) );<!-- [et_pb_line_break_holder] --> update_liabilities();<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->function MM_callJS(jsStr) { //v2.0<!-- [et_pb_line_break_holder] --> return eval(jsStr)<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] -->//--><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --></script><!-- [et_pb_line_break_holder] --></head><!-- [et_pb_line_break_holder] --><body bgcolor="#FFFFFF" onLoad="update_income(); update_liabilities()"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- [et_pb_line_break_holder] --><center><!-- [et_pb_line_break_holder] --><table BORDER=0 WIDTH="600" ><!-- [et_pb_line_break_holder] --><tr><!-- [et_pb_line_break_holder] --><td ALIGN=LEFT nowrap><!-- [et_pb_line_break_holder] --><!--#echo var="DATE_LOCAL" --><!-- [et_pb_line_break_holder] --></td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td ALIGN=middle nowrap><!-- [et_pb_line_break_holder] --><h2><!-- [et_pb_line_break_holder] --><u>Life Insurance Needs Estimator</u> </h2><!-- [et_pb_line_break_holder] --></td><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --></table></center><!-- [et_pb_line_break_holder] --><form name="calc"><!-- [et_pb_line_break_holder] --><center><!-- [et_pb_line_break_holder] --><table BORDER WIDTH="600" HEIGHT="886" ><!-- [et_pb_line_break_holder] --><tr><!-- [et_pb_line_break_holder] --><td COLSPAN="3" HEIGHT="30" BGCOLOR="#FFCCCC"><b><i><font face="Arial,Helvetica">Adding<!-- [et_pb_line_break_holder] -->up the liabilities</font></i></b><font face="Times New Roman, Times, serif">: </font></td><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><tr><!-- [et_pb_line_break_holder] --><td WIDTH="3%" HEIGHT="84"> L1 </td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="71%" bordercolor="1"><b><i><font face="Arial,Helvetica">Amount<!-- [et_pb_line_break_holder] -->required to pay off the balance of the mortgage </font></i></b>(including<!-- [et_pb_line_break_holder] -->penalties and legal commissions and fees)</td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="26%" bordercolor="1" nowrap>$ <input type="text" size=15 name="mortgage" value="100,000" onBlur="format_number(this);MM_callJS('update_liabilities()')"></td><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><tr><!-- [et_pb_line_break_holder] --><td WIDTH="3%" HEIGHT="46"> L2 </td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="71%" bordercolor="1"><b><i><font face="Arial,Helvetica">Amount<!-- [et_pb_line_break_holder] -->required to pay off personal debts</font></i> </b>(including credit cards,<!-- [et_pb_line_break_holder] -->personal loans, tuition loans , car loans, etc.)</td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="26%" bordercolor="1" nowrap>$ <input type="text" size=15 name="debt" value="10,000" onBlur="format_number(this);MM_callJS('update_liabilities()')"></td><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><tr><!-- [et_pb_line_break_holder] --><td WIDTH="3%"> L3 </td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="71%" bordercolor="1"><b><i><font face="Arial,Helvetica">Emergency<!-- [et_pb_line_break_holder] -->reserve fund</font></i></b> (including funding for extraordinary medical<!-- [et_pb_line_break_holder] -->expenses and a reserve for emergency and unexpected expenses)</td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="26%" bordercolor="1" nowrap>$ <input type="text" size=15 name="emergency" value="10,000" onBlur="format_number(this);MM_callJS('update_liabilities()')"></td><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><tr><!-- [et_pb_line_break_holder] --><td WIDTH="3%"> L4 </td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="71%" bordercolor="1"><b><i><font face="Arial,Helvetica">Final<!-- [et_pb_line_break_holder] -->expenses</font></i> </b>(including income taxes, probate fees, lawyers'<!-- [et_pb_line_break_holder] -->commissions and fees, accounting fees, other administrative commissions<!-- [et_pb_line_break_holder] -->and fees and funeral costs)</td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="26%" bordercolor="1" nowrap>$ <input type="text" size=15 name="funeral" value="10,000" onBlur="format_number(this);MM_callJS('update_liabilities()')"></td><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><tr><!-- [et_pb_line_break_holder] --><td WIDTH="3%"> </td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="71%" bordercolor="1"><b><i><font face="Arial,Helvetica">Immediate Cash Liabilities at Death</font></i> </b></td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="26%" bordercolor="1" nowrap>$ <input type="text" size=15 name="tot_cash_liab" value="" onBlur="MM_callJS('update_liabilities()')"></td><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><tr><!-- [et_pb_line_break_holder] --><td WIDTH="3%"> </td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="71%" bordercolor="1"> </td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="26%" bordercolor="1"> </td><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><tr><!-- [et_pb_line_break_holder] --><td WIDTH="3%"> C0 </td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="71%" bordercolor="1"><b><i><font face="Arial,Helvetica">Childrens'<!-- [et_pb_line_break_holder] -->education fund</font></i></b><!-- [et_pb_line_break_holder] --><br> <!-- [et_pb_line_break_holder] --><table ALIGN=RIGHT WIDTH="80%" ><!-- [et_pb_line_break_holder] --><tr><!-- [et_pb_line_break_holder] --><td nowrap>Number of Children</td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td><input type="text" size=2 maxlength=2 name="children" value="2" onBlur="MM_callJS('update_college()')">child/children </td><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><tr><!-- [et_pb_line_break_holder] --><td nowrap>Cost per Year per Child</td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td nowrap>$ <input type="text" size=15 name="cost_per_child" value="10,000" onBlur="format_number(this);MM_callJS('update_college()')"></td><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><tr><!-- [et_pb_line_break_holder] --><td nowrap>Years Needed Per Child</td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td><input type="text" size=2 maxlength=2 name="tuition_years" value="4" onBlur="MM_callJS('update_college()')">yrs. </td><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --></table><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --></td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="26%" bordercolor="1"> </td><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><tr><!-- [et_pb_line_break_holder] --><td WIDTH="3%"> </td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="71%" bordercolor="1"> </td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="26%" bordercolor="1"> </td><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><tr><!-- [et_pb_line_break_holder] --><td WIDTH="3%"> L5 </td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="71%" bordercolor="1"><b><i><font face="Arial,Helvetica">Total </font></i></b><!-- [et_pb_line_break_holder] -->(<b><i>Childrens' education fund</i></b>)</td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="26%" bordercolor="1" nowrap>$ <input type="text" size=15 name="total_college" value="80,000" onFocus="this.blur()"></td><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><tr><!-- [et_pb_line_break_holder] --><td WIDTH="3%"> </td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="71%" bordercolor="1"> </td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="26%" bordercolor="1"> </td><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><tr><!-- [et_pb_line_break_holder] --><td WIDTH="3%"> I0 </td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td ROWSPAN="2" WIDTH="71%" bordercolor="1"><b><i><font face="Arial,Helvetica">Funding<!-- [et_pb_line_break_holder] -->for replacement of lost income</font></i></b><!-- [et_pb_line_break_holder] --><br> <!-- [et_pb_line_break_holder] --><table ALIGN=RIGHT BORDER=0 WIDTH="80%" ><!-- [et_pb_line_break_holder] --><tr><!-- [et_pb_line_break_holder] --><td><select name="frequency" size=1 onBlur="MM_callJS('update_income()')"><option value=1>Annual<option value=2>Semi-Annual<option value=3>Quarterly<option value=6>Bi-Monthly<option value=12 selected>Monthly</select> income:</td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td nowrap>$ <input type="text" name="income" value="7,000" onBlur="format_number(this);MM_callJS('update_income()')"></td><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><tr><!-- [et_pb_line_break_holder] --><td nowrap>Percentage of income<br>required for survivors (i.e. 90%)</td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td><input type="text" size=3 maxlength=3 name="family_percentage" value="90" onBlur="MM_callJS('update_income()')">% </td><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><tr><!-- [et_pb_line_break_holder] --><td nowrap>Number of years over which<br>income continuation will be required</td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td><input type="text" size=2 maxlength=2 name="income_years" value="20" onBlur="MM_callJS('update_income()')">yrs. </td><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --><tr><!-- [et_pb_line_break_holder] --> <td class="rowHeadings" nowrap>Anticipated Interest expected<br> on investment of funds:</td><!-- [et_pb_line_break_holder] --> <td><input type="text" size="5" maxlength="5" name="interest" value="5" onBlur="MM_callJS('update_income()')"><b>%</b></td><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --><tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <td class="rowHeadings" nowrap>Income is to be<br> indexed (for inflation)</td><!-- [et_pb_line_break_holder] --> <td><input type="text" size="5" maxlength="5" name="indexed" value="3" onBlur="MM_callJS('update_income()')"><b>%</b></td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --></table><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><br> <!-- [et_pb_line_break_holder] --><br> <!-- [et_pb_line_break_holder] --><br> <!-- [et_pb_line_break_holder] --><br> <!-- [et_pb_line_break_holder] --><br> <!-- [et_pb_line_break_holder] --><p> </td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td ROWSPAN="2" WIDTH="26%" bordercolor="1"> </td><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><tr><!-- [et_pb_line_break_holder] --><td WIDTH="3%"> </td><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><tr><!-- [et_pb_line_break_holder] --><td WIDTH="3%"> </td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="71%"> </td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="26%"> </td><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><tr><!-- [et_pb_line_break_holder] --><td WIDTH="3%"> L6 </td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="71%"><b><i><font face="Arial,Helvetica">Total </font></i></b>(<b><i>Provision<!-- [et_pb_line_break_holder] -->for income funding</i></b>)</td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="26%" nowrap>$ <input type="text" size=15 name="total_income" value="0" onFocus="this.blur()"></td><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><tr><!-- [et_pb_line_break_holder] --><td WIDTH="3%"> </td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="71%"> </td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="26%"> </td><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><tr BGCOLOR="#FFCCCC"><!-- [et_pb_line_break_holder] --><td COLSPAN="2"><b><font face="Arial,Helvetica"><font size=+1>TOTALS LIABILITIES</font></font></b>: </td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="26%" nowrap>$ <input type="text" size=15 name="total_liabilities" value="0" onFocus="this.blur()"></td><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --></table></center><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><br> <!-- [et_pb_line_break_holder] --><br> <!-- [et_pb_line_break_holder] --><center><!-- [et_pb_line_break_holder] --><!--<table BORDER=1 WIDTH="100%" >--><!-- [et_pb_line_break_holder] --><table BORDER=1 WIDTH="600" ><!-- [et_pb_line_break_holder] --><tr><!-- [et_pb_line_break_holder] --><td COLSPAN="3" BGCOLOR="#00CC00"><b><i><font face="Arial,Helvetica">Current Assets:</font></i></b></td><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><tr><!-- [et_pb_line_break_holder] --><td WIDTH="5%"> CA1 </td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="71%"><b><i>Liquid Assets:</i></b> (Including bank accounts,<!-- [et_pb_line_break_holder] -->mutual funds, certificates of deposit, stocks, bonds and cash) </td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="24%" nowrap>$ <input type="text" size=15 name="assets" value="0" onBlur="format_number(this); MM_callJS('update_assets()')"></td><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><tr><!-- [et_pb_line_break_holder] --><td WIDTH="5%"> CA2</td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="71%"><b><i>Face (coverage) amount of all life insurance policies<!-- [et_pb_line_break_holder] -->in force</i></b></td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="24%" nowrap>$ <input type="text" size=15 name="life" value="0" onBlur="format_number(this);MM_callJS('update_assets()')"></td><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><tr BGCOLOR="#00CC00"><!-- [et_pb_line_break_holder] --><td COLSPAN="2"><b><font face="Arial,Helvetica"><font size=+1>TOTAL OF<!-- [et_pb_line_break_holder] -->CURRENT LIQUID ASSETS & IN-FORCE LIFE INSURANCE</font></font></b>: </td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="24%" nowrap>$ <input type="text" size=15 name="total_assets" value="0" onFocus="this.blur()"></td><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --></table></center><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><center><!-- [et_pb_line_break_holder] --><p><input type="button" name="recalculate" value="ReCalculate" onClick="MM_callJS('update_need()')"></center><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><p><br><!-- [et_pb_line_break_holder] --><center><table BORDER=2 WIDTH="75%" ><!-- [et_pb_line_break_holder] --><tr BGCOLOR="#FFCCCC"><!-- [et_pb_line_break_holder] --><td WIDTH="50%"><!-- [et_pb_line_break_holder] --><center><b><i>Total Liabilities</i></b> (from above)</center><!-- [et_pb_line_break_holder] --></td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="50%" nowrap>$ <input type="text" size=20 name="final_total_liabilitites" value="0" onFocus="this.blur()" ></td><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><tr><!-- [et_pb_line_break_holder] --><td WIDTH="50%"><!-- [et_pb_line_break_holder] --><center>minus</center><!-- [et_pb_line_break_holder] --></td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="50%"><!-- [et_pb_line_break_holder] --><center>-</center><!-- [et_pb_line_break_holder] --></td><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><tr BGCOLOR="#00CC00"><!-- [et_pb_line_break_holder] --><td WIDTH="50%"><!-- [et_pb_line_break_holder] --><center><b><i>Total Assets</i></b> (from above)</center><!-- [et_pb_line_break_holder] --></td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="50%" nowrap>$ <input type="text" size=20 name="final_total_assets" value="0" onFocus="this.blur()" ></td><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><tr><!-- [et_pb_line_break_holder] --><td WIDTH="50%"><!-- [et_pb_line_break_holder] --><center>equals</center><!-- [et_pb_line_break_holder] --></td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="50%"><!-- [et_pb_line_break_holder] --><center>=</center><!-- [et_pb_line_break_holder] --></td><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><tr BGCOLOR="#FFFF00"><!-- [et_pb_line_break_holder] --><td WIDTH="50%" BGCOLOR="#FFFFFF"><!-- [et_pb_line_break_holder] --><center><b><blink><font face="FrankfurterHigD"><font size=+1>Additional<!-- [et_pb_line_break_holder] -->life insurance coverage need estimate</font></font></blink></b></center><!-- [et_pb_line_break_holder] --></td><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><td WIDTH="50%" BGCOLOR="#FFCC00" nowrap><b>$ </b><input type="text" name="need" value="0" onFocus="this.blur()"><input type="hidden" name="need_for_quote" value="0"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><a name="compare" href=""><img align=absmiddle vspace=10 hspace=20 src="http://multi.winquote.net/graphics/compare_rates.gif" border="0" width="110" heght="36"></a><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --></td><!-- [et_pb_line_break_holder] --></tr><!-- [et_pb_line_break_holder] --></table></center><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><center><!-- [et_pb_line_break_holder] --><p><b><i><font face="Arial,Helvetica">The amount shown in the yellow box<!-- [et_pb_line_break_holder] -->is an estimate of the amount of life insurance coverage that you may need<!-- [et_pb_line_break_holder] -->IN ADDITION to existing coverage that you have included under</font></i></b><!-- [et_pb_line_break_holder] --><br><i><font face="Arial,Helvetica">Note:  A negative amount in the<!-- [et_pb_line_break_holder] -->yellow box (a minus sign in front ot the amount) may indicate that you may<!-- [et_pb_line_break_holder] -->be adequately covered for those liabilities and contingencies that you<!-- [et_pb_line_break_holder] -->have included in the above estimate calculator</font></i><!-- [et_pb_line_break_holder] --><br> <!-- [et_pb_line_break_holder] --><p><input type="submit" name="Submit" value="Do an additional estimate"><br><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><br></form></center>