** Gray fields are subtotals that cannot be edited.
‡ Blue fields are pre-populated based on information you have provided. Override
these pre-populated entries if you have information that will produce a more personalized
^ Income level (yours alone and in combination with your spouse/partner) is just
one of many factors that impacts your need for life insurance. If item 8 yields
a negative number, this does not mean you do not need life insurance. Please proceed
with the remainder of CALC to determine your life insurance needs.