HCI America Life Insurance Needs Input

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Monthly Expense	If you or your spouse dies how much is needed monthly?

Food	$
Clothing	$
Household Expenses	$
Mortgage/Rent Payments	$
Child/Elder Care	$
College Tuition/Private School Payments	$
Unexpected Medical, Auto, Etc.	$
Other Expenses	$

Select the number of years for which you need to generate monthly income to pay these expenses:

Select a growth rate for the time period for which you need to generate income:

Enter the amount of your current assets (i.e. existing life insurance coverage, savings, investments):	$

Insurance = Monthly Needs * (1 - (1 + (Growth Rate / 12)) ^ Years) / ((GrowthRate) / 12)) - Assets
Insurance needs recommendations are rounded up to the next $10,000.

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Standard Legal Disclaimers
Products may not be available in all states.
All rates are subject to change without notice.

*Modal premiums refer to the user's indicated premium frequency.
Annual premiums are also provided for comparison purposes.