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.)

$
 
   
   
Ritterhouse & Associates
25 Meadowland • Universal City , TX • 78148
Phone: (210)659-9002 • Fax: (210)659-9022
• joe@ritterhouse.com

 Representative registered with and securities and advisory services offered through PlanMember Securities Corporation, a registered broker/dealer, investment advisor and member FINRA/SIPC.6187 Carpinteria Ave., Carpinteria, CA 93013. (800) 874-6910. Ritterhouse & Associate  and PlanMember Securities Corporation are independently owned and operated.

 

 

William Ritterhouse and Joseph Ritterhouse, Registered Representatives, PlanMember Secutities Corp.  

 

Both gentlemen are also insurance-licensed in Texas.