寿险需求计算器 — 公式

How to Calculate Life Insurance Needs

The income-replacement method adds up:

1. Income replacement: Annual salary multiplied by the number of years your dependents need support 2. Debt payoff: Mortgage, car loans, credit cards, student loans 3. Future obligations: College tuition, childcare, funeral costs

Subtract any existing coverage to find your gap.

Rule of Thumb

Many advisors suggest 10-12 times your annual income, but a detailed calculation is more accurate.

计算示例

$75,000 income, 10-year replacement, $200,000 debt, $100,000 future expenses, no existing coverage.

  1. Income replacement = $75,000 x 10 = $750,000
  2. Add debts = $750,000 + $200,000 = $950,000
  3. Add future expenses = $950,000 + $100,000 = $1,050,000
  4. Subtract existing coverage ($0) = $1,050,000 needed