Tab|e A

Years
Income Factor
Needed
10 8.8
15 12.4
20 15.4
25 18.1
30 20.4
35 22.4
40 24.1
Tab|e 8
Years
beIore Factor
College
5 .95
10 .91
15 .86
20 .82
This piece is provided as a courtesy Irom Allstate LiIe Insurance Company with
the permission oI the LiIe and Health Insurance Foundation Ior Education.
The LiIe and Health Insurance Foundation Ior Education is a nonproIit
organization dedicated to helping consumers make smart insurance decisions to
saIeguard their Iamilies` Iinancial Iutures. 2009 LIFE. All rights reserved.

Note: These tables help

you determine Net Present
Value (NPV), the amount
oI capital required today to
satisIy Iuture income or
college cost needs, given
an assumed investment
return oI 6, inIlation oI
3 Ior living costs and 5
Ior college costs.
Prefer to Use an Cn|ne Ca|cu|ator? Visit the nonproit LlF Foundation's lie
insurance needs calculator at www.Iifehaens.orgJIifecaIcuIator.
lIf INSURANC NDS WCRKSHT
Ths worksheet can he|p you get a genera| sense of how much |fe nsurance you need
to protect your fam|y. 8efore buyng any nsurance products, you shou|d consu|t wth
a qua|fed nsurance professona| for a more thorough ana|yss of your needs. Ths work-
sheet assumes you ded today.
Income
. TotaI annuaI income your lamiIy wouId need il you died today
What your Iamily needs, beIore taxes, to maintain its current
standard oI living (Typically between 60 - 75 oI total income) $
z. AnnuaI income your lamiIy wouId receive lrom other sources
For example, spouse`s earnings or a Iixed pension.
1
(Do not include
income earned on your assets, as it is addressed later in the calculation) $
. Income to be repIaced
Subtract line 2 Irom line 1 $
q. CapitaI needed lor income
Multiply line 3 by appropriate Iactor in Table A. Factor . $
xpenses
. FuneraI and other linaI expenses
Typically the greater oI $15,000 or 4 oI your estate $
6. Mortgage and other outstanding debts
Include mortgage balance, credit card balance, car loans, etc. $
y. CapitaI needed lor coIIege
(2007-2008 average 4-year cost: Private $146,210; Public $61,499
2
)
s|eeo A;;o;|ee eco NV
4-`ee Cos | eb|e
C|||o X
C|||o X $
C|||o . X
8. TotaI capitaI required
Add items 4, 5, 6 and 7 $
Assets
q. Savings and investments Bank accounts, money market accounts,
CDs, stocks, bonds, mutual Iunds, annuities, etc. $
o. Retirement savings IRAs, 401(k)s, SEP plans, SIMPLE IRA plans,
Keoghs, pension and proIit sharing plans
3
$
. Present amount ol Iile insurance
Including group insurance as well as insurance purchased on your own $
z. TotaI income producing assets
Add lines 9, 10 and 11 $
. Lile insurance needed
Subtract line 12 Irom line 8 S
1
Social Security beneIits, which may be available, have not been Iactored into this calculation.
2
Trcnds in Cc||cgc Pricing, 2007, The College Board. Costs reIlect total charges, which includes tuition, Iees, room and board.
3
Distributions Irom most retirement savings plans are subject to ordinary income tax rates.

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