It can be difficult to determine the amount of Life insurance you need to protect your loved ones. Each family has its own unique set of circumstances, combined with the unexpected financial demands associated with the loss of life. Use the worksheet below to guide you in calculating the amount of group Life insurance coverage you may need.

Needs

Immediate	You	Your Spouse
Medical/hospital
Funeral/burial expenses
Loans/debts      (requiring payment upon death)
Taxes
Federal/state income
Property
Federal/state estate
Long Term
Mortgage
Debts      (credit cards, car, etc.)
Educational/vocational fund
Childcare expenses
Emergency fund      (unforeseen expenses)
Income Replacement
Amount needed

NOTE: Consider the income and number of years needed to support your family.

Resources

Available Resources	You	Your Spouse
Existing life insurance
Other assets (401(k), stocks, etc.)

Calculate      Clear

Calculated Results

Life Insurance Needs Analysis	You	Your Spouse
Total needs
Total resources available
Life Insurance needed

Now that you have estimated how much coverage your family might need, see how much it will cost you by using the Premium Calculator.

Before you enroll for coverage please review the Basic Life, Optional Life and Optional AD&D plan highlights for details about your coverage, including costs, exclusions, limitations and reductions.