Life Insurance  
Providing for your family in the event or your death is a fundamental of risk management. And life insurance benefits that replace your income may be one of the best ways to meet your family’s ongoing financial needs. This calculator is designed to help you estimate the amount of life insurance you would need to produce a sufficient income stream for your family.
     

What is your current income before taxes?

$

What percentage of this income will your family need?

%

For how many years will your family need this income?

What do you expect the rate of inflation to be over this time period?
Note: In recent years, inflation has been 3 percent.

%

What investment return do you expect your family to earn over this time period (0 percent to 10 percent)?

%

Enter the total of any one-time payments that your family will have. (e.g., funeral costs, future college costs, home mortgage, and any other debts you want the insurance to pay.)

$
 
   
   
Ober Financial
2019 W. Orangewood Ave., Suite B • Orange, CA • 92868
Phone: 714.771.7570 • Fax: 714.771.7580

Investment and insurance products distributed by Genworth Financial Securities Corp., member FINRA/SIPC and a licensed insurance agency (dba Genworth Financial Securities and Insurance Services in CA) [investment advisory services are offered through Genworth Financial Advisers Corp., an SEC Registered Investment Adviser]. Home offices at 200 N. Martingale Rd., Schaumburg, IL 60173; phone 888 528.2987.

Accounting and tax services are offered solely through Ober Financial which is not affiliated with Genworth Financial Securities Corp. or Genworth Financial Advisers Corp.

This is not a solicitation for sale of securities in any jurisdiction.

The registered representative(s) or investment adviser representative(s) referred to on this site may only transact business, effect transactions in securities, or render personalized investment advice for compensation, in compliance with state registration requirements, or an applicable exemption or exclusion. Following are the states in which Caren Ober is/are licensed: CA, NV, AZ.  Caren Ober's License Insurance # 0E56814: CA.