Use this calculator to help you determine how much life insurance protection you may need.

Current Life Insurance How much life insurance do you currently have?	Current Life Insurance ($):
Final Expenses How much money do you need to clear up short-term obligations and pay for final expenses? (Consider medical costs, funeral expenses, and consumer debt)	Total Final Expenses ($):	(A)
Mortgage Payoff How much money do you need to pay off your mortgage or provide family housing?	Total Housing Expenses ($):	(B)
Income Replacement How long would you want to extend your income stream? Scott Burns, a syndicated columnist who writes about personal finance issues, suggests choosing a figure 20 to 25 times your annual income.* Symetra Life offers face amounts up to 30 times your annual salary, if appropriate. * Scott Burns, syndicated columnist for the Dallas Morning News, Yes, There is a Reason to Have Life Insurance, Seattle Times, October 31, 2004	Number of Years:
	x Current Annual Income ($):
	=Total Income Replacement:	(C)
Education How much will your children or grandchildren need to complete their education?	Annual Tuition ($):
	x Number of Years:
	x Number of Children:
	= Total Tuition Expense:	(D)
Total Life Insurance Needed Today	(A+B+C+D):
Total Life Insurance Deficit/Surplus

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