Reconcile entered survivor-income needs, obligations, goals, death benefits, and dedicated resources without a coverage or product recommendation.
A quick decision brief for this specific tool
Entered annual survivor-income amount and whole years, debts/obligations, education/care goals, final/one-time costs, existing death benefits, and other dedicated liquid resources
Income-replacement total, entered obligations/goals, gross entered need, dedicated resources, difference not covered, and resources above need
Transparent obligations-minus-dedicated-resources worksheet; no per-dependent buffer, policy selection, premium, underwriting, or coverage recommendation is invented
Choose your path
Reconcile a documented survivor-funding scenario from explicit obligations and dedicated resources without recommending an insurance amount or product.
Separate annual replacement needs from one-time obligations and care goals.
Document after-death cash flow, choose an external horizon, enter obligations/goals, then inspect the gross entered need.
Can reproduce the worksheet without accepting an arbitrary dependent multiplier.
Coordinate only death benefits and liquid resources actually dedicated to the scenario.
Verify in-force benefits, ownership, beneficiary, portability, term and liquidity, then enter non-duplicated resources.
Sees the remaining difference without treating every asset or nominal benefit as available.
Keep product selection and guarantees outside needs arithmetic.
Use the worksheet only for documented amounts, then compare affordability, term/permanent features, riders, guarantees, non-guaranteed illustration elements, exclusions, and licensing.
Does not interpret the worksheet as a policy, premium, underwriting, or coverage recommendation.
Outputs and checklists are planning aids. Review the linked current authorities and the records, terms, instructions, and requirements that apply to your exact situation before a consequential decision.
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Enter an annual amount and whole-year horizon already developed from a survivor budget. Keep inflation, taxes, benefits, investment return, changing expenses, and timing in the same external plan.
Entered income-replacement total = annual replacement amount × whole yearsAdd debts, care or education goals, final expenses, and other one-time costs only once. No automatic amount is added per dependent.
Gross entered need = income-replacement total + entered obligations + entered goals + entered one-time costsUse verified in-force death benefits and liquid resources intentionally available to this scenario, after checking ownership, beneficiary, portability, liquidity, taxes, and double counting.
Difference not covered = max(0, gross entered need − entered dedicated resources)Updated: August 2026
Reconcile a $60,000 annual amount for 12 years plus $335,000 of entered obligations, goals, and one-time costs against $425,000 of entered resources.
→ Shows the gross entered need, dedicated resources, and difference not covered without recommending insurance.
Use verified benefits and dedicated resources greater than the entered need.
→ Shows zero difference not covered and $150,000 of entered resources above entered need.
Use zero years when the scenario includes only documented one-time obligations.
→ Preserves the one-time-cost worksheet without inventing income or dependent buffers.
This worksheet adds the survivor-income amount, obligations, goals, and one-time costs you enter, then subtracts only entered existing death benefits and dedicated liquid resources. It does not choose a policy type, recommend coverage, quote a premium, underwrite a person, value future benefits, or determine tax or estate treatment.