1. Annual Living Expenses of Survivors     (spouse, children, etc.)     [consider 70% of current family living expenses]	$
2. Less Expected Annual Benefits A. Social Security Benefits B. Survivor's Pension Benefits C. Survivor's Earned Income D. Other Income	$ $ $ $
3. Net Living Expense Shortage (or Surplus) (Line 1 minus Line 2	$
4. Amount of Capital Required to Produce Living Expense Shortage (Line 3 divided by projected rte of return on invested capital. Consider using a conservative return rate to ajust for inflation.) Inflation-adjusted Rate of Return	$ %

Plus Other Lump Sum Expenses A. Final Expense/Estate Costs B. Mortgage Cancellation C. Education Fund or Other D. Emergency Fund	$ $ $ $
6. Total Capital Required (Line 4 + Line 5)	$
7. Less Present Capital A. Income Producing Assets B. Present Life Insurance Total Present Capital	$ $ $
8. Amount of Capital to be added, if any (Difference between lines 6 and 7)	$