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Term Life Insurance by Top
Rated Companies
More term companies
equals the best opportunity to obtain the lowest term quote!
Offering the Largest Selection of
Top-Rated Companies Instantly!
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For the serious shopper who would like a seasoned
professional to assist them-
"how term life insurance
works", "return of premium term life insurance",
"no exam term life insurance" and "what is term life
insurance" will be explained on this page.
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Insurance Calculator for life needs
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Help for calculating how much life insurance coverage you need and should buy.
Fill in the
requested information and please notice that the figure changes automatically as you tab through the form.
also see:
Calculator Definitions
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Decision
Chart Term vs. Permanent
Insurance
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Calculator Disclaimer
How much Life Insurance do you need?
Calculate how much life insurance
coverage your family may need to cover future expenses
in the event of your untimely death.
Consider the following to determine the amount of policy
coverage needed:
1. Calculate one-time expenses.
Funeral and probate costs, child education funds or trust
accounts, and debts.
2.
Calculate your
family's future income needs .
- When is income needed?
- How long is it needed for?-
- How will it grow?
3.
Calculate future
expenses.
What will expenses be?
How will they grow?
How long will they last?
4.
Calculate major life
events for your family members.
What is your spouse's life expectancy?
When will your children enter the workforce?
5. Calculate other factors.
Insurance calculator
for life needs should be also used to consider:
Average Cost Of A Private College
|
2002: |
$24,851 |
2010: |
$36,717 | |
2003: |
$26,094 |
2011: |
$38,553 | |
2004: |
$27,399 (2 years) |
2012: |
$40,480 (10 years) |
|
2005: |
$28,769 |
2013: |
$42,504 | |
2006: |
$30,207 |
2014: |
$44,630 | |
2007: |
$31,717 (5 years) |
2015: |
$46,861 | |
2008: |
$33,303 |
2016: |
$49,204 |
|
2009: |
$34,968 |
2017: |
$51,664 (15 years |
Over a lifetime, a college graduate will earn $1 million more than
someone with only a high school diploma.
AVERAGE YEARLY INCOME OF ALL WORKERS AGE 25 AND UP
|
No high school diploma or GED: $22,200 |
|
High school diploma/GED: $30,084 | |
Some college, no degree: $35,160 |
|
Associate degree: $37,482 | |
Bachelor's degree: $53,356 |
|
Master's degree: $62,820 | |
Doctoral degree: $88,589 |
|
Professional degree: $115,649 | |
Source: U.S. Census Bureau, 2004 |
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