Needs Analysis An easy-to-use calculator, designed to produce a professional and personalized document that you, the life insurance professional, can print and present to your client. Client Name (Optional) Taxes at Death / Final Expenses (e.g. mortgage and other liabilities) Current annual income after tax Percentage of income required for survivors (%) Anticipated annual inflation rate (%) Number of years the income would be needed by survivors Anticipated annual rate of return on the invested life insurance proceeds after tax (%) Click on "Calculate" to determine the amount of life insurance needed Click here for instructions for the Needs Calculator Click here for a discussion of different Needs Analysis Approaches