Your Family's Immediate Needs
Funeral Expenses The average funeral costs about $6,000. But you should enter however much you think your family will spend on your funeral.	Estimated Funeral Cost $
Debts The money you owe other people for things like loans (car, school or business) and credit card bills. Do not include your rent or mortgage.	Your Total Debts $
Emergency Fund This is money your family can use for emergencies like car repairs or trips to the doctor. It's good to have money set aside equal to four months of your salary. Enter your yearly salary in the box, and we will calculate the emergency fund.	Your Yearly Salary $

Your Family's Ongoing Needs
Expenses The amount your family spends each month on food, clothing, child care, transportation, phone calls, the cable bill, utilities, movies, and other expenses. This does not include your rent or mortgage. Get a worksheet that will help you calculate this number.	Monthly Expenses $
Years Money Needed How many years will your family need help from your life insurance payment to pay the bills? (You might pick this number based on how many years until your kids leave the house, or until your husband or wife retires, or until they reach a certain age like 80.)	Number of Years

Education Costs
Number of Children to Attend College How many of your children do you expect to help pay for college?	0 1 2 3 4