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LIFE ASSURANCE CALCULATOR Individual and Family (Find Out More) Lump Sum Capital Needs 1. Funeral and other expenses  2. Emergency fund     (3 to 6 months expenses) 3. Specific bequests  4. Mortgage, debts, loans and guarantees  5. Inheritance tax  6. Other  Total                     Lump sum for        years Long Term Income Needs. 1. Partners' continuing expenses 2. Plus any extra long term costs 3. Less continuing long term earnings and/or pension 4. Less long term state benefits and/or widows/widowers pension Total net long term income required       pa net income for     years Shorter Term Needs 1. Annual expenses for children/other purposes 2. Plus extra short term costs (e.g. child care) 3. Plus other short term needs 4. Less short term state benefits (e.g. Widows parents allowance) Total short term income required per year pa net income for   years Life Assurance Requirements Lump sum                   Level Term Assurance         Quote Now Long Term Income       Family Income Benefit        Quote Now Short Term Income      Family Income Benefit        Quote Now Consideration should be given to whether joint life policies with the highest life assurance are suitable for Partners or whether individual policies are appropriate. Joint Life policies will only pay out the sum assured once.

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