Albert Goodman Financial Services Limited

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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
Long Term Income Family Income Benefit
Short Term Income Family Income Benefit
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.