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.)

$
 
   
   
Rock Ruiz Insurance & Retirement Services, LLC
389 Hwy 21, Suite 401 • Madisonville, LA • 70447
Phone: (985) 792-0771 ext. 15 • Fax: (985) 792-0776
• sruiz@aicinvest.com

Securities and Investment Advisory Services offered solely through Ameritas Investment Corp, (AIC). Member FINRA/SIPC.  AIC & Rock Ruiz Insurance & Retirement Services, LLC are not affiliated.  Additional products and services may be available through Rock Ruiz or Rock Ruiz Insurance & Retirement Services, LLC. that are not offered by AIC.

 

This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction.  As with anys ecurity, request a prospectus from your Registered Representative.  Read it carefully before you invest or send money.  A representative from Rock Ruiz Insurance & Retirement Services, LLC. will contact you to provide requested information.

 

Representatives of AIC do not provide tax or legal advice.  Please consult your tax advisor or attorney regarding your situation.