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.)

$
 
   
   
Hazard Financial
25124 Narbonne Ave. • Lomita, CA • 90717-2141
Phone: 310-325-7470 • Fax: 310-326-5450
• dgaussa@hazardfinancial.com

IMPORTANT NOTE:  Victor Hazard, JoAnn Iwaii and Angel Moon are registered representatives registered to transact business with clients in California.  Victor Hazard is also registered to transact business with clients in Arizona, Colorado, Florida, Georgia, Hawaii, Idaho, Illinios, Indiana, Maryland, Michigan, Missouri, Montana, Nevada, New Jersey, New York, Oregon, Sourth Carolina, South Dakota, Texas, Utah and Washington.   Victor Hazard is also an investment adviser representative licensed in California and Hawaii.  Victor Hazard is insurance licensed in the following states California and Oregon.  If you are not a resident of the states noted above, all investment-related information on this site is for informational purposes only and does not constitute a solicitation or offer to sell securities, investment advisory services or insurance services over the internet.  Securities offered through H.D. Vest Investment ServicesSM, Member SIPC Advisory Services offered through H.D. Vest Advisory ServicesSM, 6333 North State Highway 161, Fourth Floor, Irving, TX  75038, 972-870-6000.
 
  Investments & Insurance Products:
• Are not insured by the FDIC or any federal government agency
• Are not deposits of or guaranteed by the bank or any bank affiliate
• May lose Value
 

Hazard Financial is not a registered broker/dealer or independent investment advisory firm.