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.)

$
 
   
   
Physician Financial Services
250 Crossways Park Drive • Woodbury, NY • 11797
Phone: (516) 677-6211 or Toll-Free at (800) 481-6447 • Fax: (516) 677-7911
• Lkeller@physicianfinancialservices.com

Lawrence B. Keller is a Registered Representative and Financial Advisor of Park Avenue Securities, LLC (PAS).  Securities products/services and advisory services are offered through PAS, a registered broker/dealer and investment advisor.  Field Representative, The Guardian Life Insurance Company of America (Guardian), New York, NY.  PAS is an indirect, wholly owned subsidiary of Guardian.  Physician Financial Services is not an affiliate or subsidiary of PAS or Guardian.

PAS is a member FINRA, SIPC. 

The Registered Representative is securities licensed in CA, CT, DE, FL, NC, NJ, OH, NY, PA and insurance licensed all all states (CA insurance license #0C37340, MN insurance license #20498309).  The material is strictly intended for individuals residing in those states.  No offers may be made or accepted from any resident outside these specified states.

Harry R. Wigler is a Field Representative, The Guardian Life Insurance Company of America (Guardian), New York, NY and is insurance licensed in CT, FL, GA, HI, IL, MA, MD, NJ, NY, PA, TX and WA.  No offers may be made or accepted from any resident outside these specified states.

Neither Park Avenue Securities, Guardian, nor their representatives render legal or tax advice.  Please consult with your attorney, accountant, and/or tax advisor for advice concerning your particular circumstances.

The information or opinions contained in the Internet site should not be construed by any consumer and/or prospective client as an offer to sell or the solicitition of an offer to buy any particular investment product.  The information contained herein is directed solely to those individuals who reside in jurisdictions in which the representative is registered in the state where the consumer and/or prospective client reside.  Any subsequent direct communication with a consumer and/or prospective client shall on be conducted by a representative that is registered in the state where the consumer and/or prospective client resides.

GEAR Approval 2011-6273