Life Insurance  
Providing for your family in the event or your death is a fundamental of risk management. And life insurance benefits that replace your income may be one of the best ways to meet your family’s ongoing financial needs. This calculator is designed to help you estimate the amount of life insurance you would need to produce a sufficient income stream for your family.
     

What is your current income before taxes?

$

What percentage of this income will your family need?

%

For how many years will your family need this income?

What do you expect the rate of inflation to be over this time period?
Note: In recent years, inflation has been 3 percent.

%

What investment return do you expect your family to earn over this time period (0 percent to 10 percent)?

%

Enter the total of any one-time payments that your family will have. (e.g., funeral costs, future college costs, home mortgage, and any other debts you want the insurance to pay.)

$
 
   
   
Pioneer Financial Services, Inc.
11 Bay Street • Easton, MD • 21601
Phone: 410.820.8844 • Fax: 410.820.0511
• gfrankos@htk.com

* Registered Representative of, & Securities and Investment Advisory services offered through Hornor, Townsend & Kent, Inc. (HTK), Registered Investment Adviser,  Member FINRA / SIPC. 307 International Circle, Suite 100, Hunt Valley, MD 21030, (410) 821-2920. 

Pioneer Financial Services and its affiliates are independent of Hornor, Townsend & Kent, Inc. HTK does not offer tax or legal advice.

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Our representatives are insurance and securities licensed in our resident state of Maryland (MD), as well as the following states: DC, DE, MA, ME, NJ, PA, SC, and VA.
For additional licensing information please contact Gregory Frankos at 410-820-8844.  This is not an offer or solicitation in any state where representatives are not licensed

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