| Annual replacement income needed if the insured dies prematurely (before tax): |  | 
| Number of years a replacement income is needed by dependents/beneficiaries: |  | 
| Estimate the average annual interest rate that you can earn on the invested life insurance proceeds: |  | 
| Estimate the average annual inflation rate: |  | 
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| The amount of life insurance needed to replace the annual income is: 
 
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