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[]
[null,"Life Insurance Needs Analysis",null,null,"[date]"]
[]
[null,"Financial Assumptions",null,"Assuming Spouse 1 Dies First","Assuming Spouse 2 Dies First"]
[null,"Current annual living expenses"]
[null,"Today's cost of tuition, room and board"]
[null,"Rate of inflation"]
[null,"Estimated funeral expenses"]
[null,"Mortgage balance"]
[null,"Other loan balances"]
[null,"Liquid assets"]
[null,"Current life insurance coverage"]
[null,"Spouse's current after-tax salary"]
[null,"Social Security survivor benefits"]
[null,"Estimated yield on investments"]
[]
[null,"Child's Name",null,null,"Years Until College"]
[]
[]
[]
[]
[]
[]
[null,"Computation of Life Insurance Needs",null,"If Spouse 1 Dies First","If If Spouse 2 Dies First"]
[null,"Mortgage balance",null,"",""]
[null,"Other loan balances",null,"",""]
[null,"College fund",null,"",""]
[null,"Dollars needed at death",null,"",""]
[]
[null,"Analysis of Annual Cash Flow of Survivors",null,"Spouse 1","Spouse 2"]
[null,"75% of annual living expenses",null,"",""]
[null,"Less:"]
[null,"   Spouse's current after-tax salary",null,"",""]
[null,"   Social Security survivor benefits",null,"",""]
[null,"Net annual cash flow surplus or (deficit)",null,"",""]
[]
[null,"Additional Life Insurance Needed:",null,"Spouse 1","Spouse 2"]
[null,"Dollars needed at death",null,"",""]
[null,"Liquid assets",null,"",""]
[null,"Current life insurance coverage",null,"",""]
[null,"Additional insurance needed or (surplus)",null,"",""]

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["_Example"]
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