5 calculators in this category
- Life Insurance Needs Analysis CalculatorFamily needs (capital needs) approachThe needs approach asks what your family would actually have to fund if your income stopped tomorrow, then subtracts what they…
- Human Life Value CalculatorHuman life value (Huebner) method — growing annuity present valueHuman life value asks a narrower question than a needs analysis: what is the present value of the earnings a person will…
- Term Life Insurance Ladder CalculatorLevel term pricing per $1,000 of face amountYour need for life insurance is not level, so buying level coverage means paying for protection you have stopped needing. The…
- Cash Value Life Insurance Return CalculatorInternal rate of return on an annuity-due premium streamA permanent policy's illustration shows you a growing cash value. What it rarely shows is the rate that growth represents…
- Modified Endowment Contract (MEC) Test CalculatorIRC §7702A — seven-pay testSection 7702A draws one line through permanent life insurance. Pay premiums faster than seven level payments would have paid…
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