Final Expenses How much money do you need to clear up short-term obligations and pay for final expenses? Consider medical & funeral costs, consumer debt and estate taxes.	Total Final Expenses ($)
Mortgage Payoff How much money do you need to pay off your mortgage or provide family housing?	Mortgage Balance
OR
	Number of Years
	X Annual Housing Costs ($)
	= Total Housing Expenses
Income Replacement How long would you want to extend your income stream?	Number of Years
	X Current Annual Income ($)
	= Total Income Replacement
Education How much money will your children or grandchildren need to complete their education?	Annual Tuition ($)
	X Number of Years
	X Number of Children
	= Total Tuition Expense
Current Life Insurance How much life insurance do you currently have?	Current Life Insurance ($)
Total Life Insurance Needed Today (Deficit or Surplus) =