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          1. Impacted by the Public Safety Power Shutdown in California?

            If?you have been impacted by the California Public Safety Power Shutdown and cannot contact your financial advisor, please?call our Client Relations department at 1-800-511-5768 (Monday-Friday, 7 a.m. – 7 p.m. CT) or view additional contact options.

            Tools & Calculators

            Calculate Your Life Insurance Needs

            icon-liabilities
            What liabilities do you have?

            Liabilities could include your mortgage, car loans, credit card debt or any other debt you might have.

            Total $ 0
            icon-income
            What income do you want to replace?

            How much would your family need for ongoing living expenses if they could no longer rely on your income? How long would they need the income – until your spouse reaches retirement or maybe until the children graduate college?

            Total Income to Replace (pre-tax) $ 0
            icon-final-expenses
            What final expenses do you expect?

            Final expenses can include medical expenses, short-term living expenses for your family (including emergency savings) and funeral costs. If you need a starting point, we recommend estimating $15,000.

            Total $ 0
            icon-education-expenses
            What are your family's education needs?

            Are there any future education expenses you'd like to cover, such as college or private school tuition for your children or grandchildren?? (Reduce this amount by any dedicated education savings.)

            icon-charity
            Would you like to leave something for your heirs or charity?

            Enter any additional amount or inheritance you'd like to leave your loved ones here.

            icon-family-inheritance
            What assets would be available for your family?

            This would include any additional assets that were not captured by the other inputs, such as current life insurance policies, business or real estate investments or any other investments.

            Different types of investments have different tax implications. Be sure to discuss this with your qualified tax professional.

            Total $ 0

            Assumptions

            If you're unsure, we recommend estimating 3.00%.

            State and Federal

            This is the rate of return your loved ones would expect to receive if they invested their life insurance proceeds. We recommend estimating 6.0%.

            Life Insurance Needs Results

            Need Met by Current Coverage & Assets $ 0
            Total Life & Legacy Need $ 0
            Coverage Shortfall $ 0

            Details

            icon-liabilities Liabilities $ 0
            icon-income Income Replacement ###
            icon-final-expenses Final Expenses $ 0
            icon-education-expenses Education $ 0
            icon-charity Legacy ###
            Total Life & Legacy Need $ 0
            Inflation Rate
            Income Tax Rate
            Rate of Return
            Current Life Insurance $ 0
            Available Assets $ 0
            Need Met by Current Coverage & Assets $ 0
            Coverage Shortfall $ 0

            Find a Financial Advisor

            Find a Financial Advisor

            Select a State and then enter a last name

              Are you covered?

              Help protect your family's financial future with life insurance.

              Read more

              When is perm better than term?

              For life insurance needs of 20 years or more, permanent insurance may be a better option.

              Read more

              Do you have a short-term insurance need?

              Term life insurance might be a better option.

              Learn more
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