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The Life Insurance Calculator is a great way to estimate today's Life Insurance needs. Be sure to reach out to an AAFMAA Membership Coordinator toll-free at 1-877-398-2263, or via email [email protected] to help you move forward.
Death expenses include burial, funeral and estate expenses. As a rule of thumb, the greater of $10,000 or 4% of your estate value should be provided for death expenses.
Enter the amount that would be required to pay off your mortgage(s) if you were to pass away today. Please consult your mortgage forms to determine if your loan can be paid in full without penalty.
On average, college expenses increase an average of 8% annually. According to the College Board, the 2012-2013 annual average costs were $22,261 for public colleges and universities, and $43,289 for private colleges and universities. Expenses include tuition, room & board, books, fees, travel, and maintenance expense.
All personal debts such as car loans, credit cards, etc.
An emergency fund is intended to protect the family from unforeseen needs for money which could arise because of illness, surgery, home repairs, or many other reasons.
Insurance should include all Life Insurance plans that are currently in force, including employer-provided insurance, individual insurance and any special purpose plans such as mortgage Life Insurance.
Contact pension plan documentation or plan administrator to determine the amount (if any) that would be paid as a lump sum.
This should include any assets that will be sold at the time of death to provide funds for the surviving beneficiary(s). This may include real estate, personal property, etc.
Target (replacement) income should be the amount of annual income that is needed to support the annual expenses (e.g. rent, utilities, food, insurance premiums, clothing, taxes, etc.) of your dependent(s) after your death. Typically, a percentage of the present gross total family income is selected. While the percentage may vary, most financial planners find 70-80% to be a reasonable replacement objective for those earning over $60,000 and for all two-income families. The replacement objective can be somewhat reduced at lower income levels. Do not include any payments that are assumed to be paid off with a lump sum at the time of death, such as the mortgage payment if you are assuming that the mortgage is paid off.
All Life Insurance plans that are currently in force, including employer-provided insurance, individual insurance and any special purpose plans
Contact the Social Security Administration to obtain a statement on survivor benefits, or if you are a Grandfathered AAFMAA member, please contact AFSC at 1-888-237-2872.
Contact pension plan documentation or plan administrator to determine the amount (if any) that would be paid annually.
Beneficiary's annual income and miscellaneous annual investment income (rental income, survivor annuities, etc.).
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The U.S. Government does not sanction, recommend or encourage the sale of these life insurance products. Subsidized life insurance may be available from the Federal Government.
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Financial Planning, Investment Management, and Trust Services provided by AAFMAA Wealth Management & Trust, a North Carolina Limited Liability Company wholly owned by AAFMAA.
Physical address: 639 Executive Place, Suite 200, Fayetteville, NC 28305.
Information provided by AAFMAA Wealth Management & Trust LLC is not intended to be tax or legal advice and we encourage you to seek guidance from your tax and legal advisors.
Past performance does not guarantee future results. Investments are not FDIC or SIPC insured, are not deposits, nor are they insured by, issued by, or guaranteed by obligations of
any government agency or any bank, and they involve risk including possible loss of principal.
Mortgage services provided by AAFMAA Mortgage Services LLC (AMS), a wholly-owned subsidiary of AAFMAA. AMS is available for the financing of residential
property in the states listed on our Legal & Licensing page. All loans are subject to
credit approval and other criteria. Physical address: 1 Copley Pkwy, Suite 420, Morrisville, NC 27560. Lender NMLS: 1423968,
https://www.nmlsconsumeraccess.org/, Equal Housing Lender, Veteran Affairs (VA) approved lender
# 668521-00-00; not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency.
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