How much life insurance do you need? The question really isn’t how much life insurance… it’s how much investment capital your family will need at the time or your death to maintain their current standard of living and secure future goals like a college education or the family weddings you always dreamed of celebrating. Your capital need is really a summation of two key variables: How much money will be required at death to meet immediate needs and obligations; and How much money will be required to produce a future income stream that will sustain your family’s standard of living? With the following information, your financial professional/licensed insurance agent can help you develop a protection strategy that suits your budget and provides the financial safeguards your family needs.
	Income Needs: Current Income $ Family Income Goal (Typically 70% to 80% of current income.) $ Other income sources (Social Security, Survivor's Earned Income, etc.) $ Assumed Earnings Rate – adjusted for expected inflation and income taxes % Cash Needs: Final Expenses (Funeral and estate settlement costs) $ Emergency Funds $ Education Funds (Cost to send each of your children to the college of their choice) $ Mortgage (Cost to pay off the remaining balance) $ Other Debt $ Other Cash Needs (Special needs expenditures) $ Income-Producing Capital: Liquid Assets $ Existing Life Insurance $

To view and utilize other useful AXA Advisors tools and calculators, visit:

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Information provided has been prepared from Emerald Publications' sources and data we believe to be reliable, but AXA Advisors makes make no representation as to its accuracy or completeness. Data and information is provided for informational purposes only, and is not intended for solicitation or trading purposes, or as a substitute for investment tax and/or legal advice. AXA Advisors does not provide legal or tax advice. Please consult your tax and legal advisors regarding your individual situation. Neither AXA Advisors nor any of the data provided by AXA Advisors or its content providers, such as Emerald Publications, shall be liable for any errors or delays in the content, or for the actions taken in reliance therein. By accessing this AXA Advisors Web site, a user agrees to abide by the terms and conditions of the site including not redistributing the information found therein.

Please be advised that this page is not intended as legal or tax advice. Accordingly, any tax information provided in this page is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer. The tax information was written to support the promotion or marketing of the transaction(s) or matter(s) addressed and you should seek advice based on your particular circumstances from an independent tax advisor.

Emerald Publications is not an affiliate of AXA Advisors, LLC. Securities products and services are offered through AXA Advisors, LLC (Member FINRA/SIPC) New York, NY. Insurance products are offered through AXA Network, LLC and its subsidiaries.

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