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Death & TPD (Total and permanent disability)

Immediate Needs

Mortgage Discharge/Home Provision (eg rent)

Total Outstanding Debts and taxes

Education Funding (Allow approx $5,000 per child) x (number of years remaining)

Emergency Income ( 3 - 4 months of normal income)

Final expenses (eg Funeral, executor, Probate)

Income Needs

Income required to maintain lifestyle of spouse / partner and children

Return expected from investment (eg6%)

Estate Assets (Realisable)

Investment Assets (eg shares, managed funds)

Superannuation Assets

Life Insurance (existing level of cover)

Business Assets (secured by funded arrangements)

Summary

Immediate Needs

Income Needs

Total Estate required

Less Estate Assets

Estate Surplus Shortfall

The level of Life cover that you require can be either held through a Life Insurance policy with yourself or another as the owner or through a superannuation policy.

Trauma & Income protection

Income Protection & Business Expense Protection

Gross Annual Income (Before Tax) OR

Gross Salary Package OR

Pre-Tax Operating Profit

Less Business Expenses (if applicable)

Net Annual Income (Before Tax)

Maximum Allowable Annual Benefit (75% of Net Annual Income)

Divide Annual Benefit By 12 (for Monthly Payment)

Less Existing Insurance (if applicable)

Insured Monthly Benefit Shortfall (Before Tax)

Business Expense Protection

Trauma

Gross Annual Income (Before Tax)

25% gap from income protection

Expected rate of return %

Lump sum to provide additional income

other costs
medical costs : to cover out of health care costs
funds for extinguishment of debts
lump sum capital: for nanies home modifications

Total Funds Required

Less Cash Available of Realisable Assets

Shortfall/Surplus

Death & TPD (Total and permanent disability)

Trauma & Income protection

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