What’s your current age?

This helps us understand your stage of life and financial planning horizon.

How many children or dependents do you have?

We’ll consider future needs like education, childcare, and family support.

How much income do you need to replace?

This is typically your annual income, after taxes.

How many years?

Think about how long your loved ones would need that income.

What’s your current mortgage balance?

Include only the remaining amount, not the original loan.

Do you have any other debts (car loans, credit cards, etc.)?

Add it all together for simplicity.

Do you want to cover future college costs?

Rough estimate is fine — $50,000 per child is a common baseline.

How much would you like to set aside for final expenses?

Funeral costs typically range from $10,000–$15,000.

How much life insurance do you already have?

Include work policies and any personal life insurance.

What are your total savings and assets?

This includes savings, investments, and retirement accounts.