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.)

$
 
   
   
Maloney Associates
875 Centerville Road, Bldg. 1 • Warwick, RI • 02886
Phone: 401-828-2090 • Fax: 401-828-1548
• maloney_bill@nlvmail.com

Securities and investment advisory services are offered solely through registered representatives and investment adviser representatives of Equity Services, Inc., Member FINRA/SIPC,
Broker/Dealer and Registered Investment Adviser, 875 Centerville Road, Building One, Warwick, Rhode Island 02886 (401) 828-2090 Maloney Associates and all other entities and individuals referenced are independent of Equity Services, Inc. unless otherwise noted.  CPA services and tax advice are offered independently of Equity Services, Inc.

William Maloney is a Registered Representative and Investment Advisor Representaive of Equity Services, Inc. and offers securities in Rhode Island and Massachusetts.  He is also insurance licensed in Rhode Island and Massachusetts. 


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