HOW MUCH INSURANCE?

HUMAN LIFE VALUE

REQUEST A QUOTE

Submit the form below and we will contact you to provide you with  a no obligation life insurance quote based on your "Human Life Value".

What is Human Life Value? It is a way of deciding how much life insurance you as an individual may want. Your income, expenses, and years remaining in the workplace are considered, as well as the depreciating value of the dollar. While there are several established methods to determine your "Human Life Value" below are some income replacement guidelines that would apply to most people at various ages.

AGE REPLACEMENT GUIDELINE AMOUNT
18-19 35 x Current Income
20-35 35 x Current Income
36-40 35 x Current Income
41-45 30 x Current Income
46-50 25 x Current Income
51-55 20 x Current Income
56-60 15 x Current Income
61-69 10 x Current Income
69+ 5 x Current Income
 
 
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