6ANAMESNAMEDECCOUNTEMPCHILCINSAMAVAILCASSAVINGFINEXEMERDEBMORMORENEDEDEDCCARYAGTCNEENCNEEANNINFAMINFAMINCTEMLINEE  &&;@,;@%,;@%, LIFE INSURANCE CALCULATOR))HOW MUCH LIFE INSURANCE DO YOU NEEDBY FRED N. BUSH 72327,200( (}+%AR@7A @IAAP[-@@($HOW MUCH LIFE INSURANCE DO YOU NEED?2] #@`!-@@%"9-%@@A >:,U-@AY ] 7!-@#@!(, LUTCF<))66,89,32,70,82,69,68,32,66,85,83,72F-@A  P< (}-@@<(WOULD YOU LIKE INSTRUCTIONS?U @Z6( ANSWER (Y/N) "4Y, B6 Ad0N@*** BASIC INFO INPUT ***&&3>:@,>:@',>:@i, 3 3 353LIFE INSURANCE NEEDS353BASIC INFORMATION A@(WHAT IS YOUR NAME3NAME: QQ(IWHAT IS YOUR SPOUSE'S NAME (IF MARRIED)? PRESS RETURN IF NONE4A3 SPOUSE NAME: &&(HOW MANY CHILDREN DO YOU HAVEA6- ;@%,";AP,#--@AP)67,.>:@2,- $B67@,.#67@%,.367@,.B6.7@,'FF(>ENTER EACH CHILD'S NAME, PRESSING BETWEEN EACH NAME,::67++$@%,%@,<++$@%,%@%,,..??67++$@%,%@%,<++$@%,%@%,,.>:AU,1)6-%@)!+&@,AP6 A^3 3 A3>:@, SPOUSE NEEDS''(DO YOU HAVE EXISTING INSURANCE? A?;(3IF SO, PLEASE ENTER AMOUNT ON MAIN WAGE EARNER?6-6-%##3LIFE INSURANCE IN FORCE: XT(LENTER VALUE OF ANY SAVINGS ACCOUNTS, INCLUDING CD'S, AND OTHER INVESTMENTS.X*$3INVESTMENTS PLUS SAVINGS: '3*3 6-%%!(AMOUNT FOR FINAL EXPENSE %##3FINAL EXPENSE ALLOTMENT: '#(AMOUNT FOR EMERGENCY FUND '3EMERGENCY FUND: )%(AMOUNT FOR DEBT LIQUIDATION )!!3DEBT LIQUIDATION FUND: (MORTGAGE BALANCE C1 ENTER AMOUNT OF MONTHLY RENT5C6-$A (!(3MORTGAGE BALANCE: !!!3 RENT FUND: AA(9ENTER AMOUNT DESIRED FOR EACH CHILD'S EDUCATION PER YEAR.A0++(#NUMBER OF YEARS YOU WISH TO PROVIDE &6-+$,$&3EDUCATION FUND: 40((AMOUNT PER MONTH FOR CHILD CARE EXPENSE 4A`!)%(WHAT IS YOUNGEST CHILD'S AGE )&6-+$@,'?03CHILD CARE FUND: 1 6-P:,:6-%%%%%%D3TOTAL CASH NEEDS: N"3"3AVAILABLE RESOURCES: X= 6-&3=3(CASH STILL NEEDED FOR BASIC CASH NEEDS: ] Ab&&(DO YOU WISH TO STOP HERE (Y/N)l""(OR DO YOU WISH TO PROCEED?qv 4Y A5 A@{4NA}0NA%AR"3>:@,%%!(INPUT YOUR ANNUAL INCOME%E BP; 'SOCIAL SECURITY WILL PROBABLY BE ENOUGHE A@!!!BP* BA!!!B* BPA!BIAL6-+$?5,'?V<3FAMILY INCOME FUND: ( A 2 A5< A@%6-+$?E,'?% A%6-+$?`,'?% A6-$>X0 6-6-$A6-P:,6-'A A0$ O3O3THIS WILL PROVIDE  PER MONTH AND LEAVE  TO PASS ON TO YOUR 3 CHILDREN. @3@35THIS WILL BE IN ADDITION TO SOCIAL SECURITY EXPECTED. $ 6-% :3:3-THE TOTAL AMOUNT OF NEW INSURANCE NEEDED IS:  <3<31YOU SHOULD TAKE CARE OF THIS AS SOON AS POSSIBLE. LL3DCALL YOUR LOCAL AGENT OR BROKER AND REVIEW THIS FACT SHEET WITH HIM. $ A@?;(2DO YOU WISH TO CALCULATE THE NEEDS FOR YOUR SPOUSE?4YA0NA@ A@' *** INSTRUCTION MODULE ***' (}''A @'A@@$'HH(@This program will help you figure needs for life insurance..'@@(8Simply enter the information called for at each prompt8'99(1and you will find out what your needs really are.B'44(,Don't be alarmed if the numbers seem large.L'33(+Recent surveys show that as a rule of thumbV'33(+the average wage earner needs 5 to 9 times`'--(%his or her annual income in coverage,j'''(in addition to Social Security,t'((( in the typical family situation.y'==(5Your professional life insurance agent would be happy~'++(#to review this fact sheet with you.' '''(FOR MORE INSTRUCTIONS PRESS ɢ'11()TO RETURN TO PROGRAM PRESS ANY OTHER KEY' B@'4I B'$*3>:@,*GG3?The Final Expense Fund is to pay funeral bills and clean up any+SS3Kunpaid medical bills, and estate or other legal or administrative expenses. +??37This fund is usually equal to about 50% of your salary.+/3/3$The Emergency Fund is for just that. +9931It is a block of money left on deposit to pay for*+\\3Textraordinary expenses such as a new roof, major car repairs or replacement, etc.4+::32It is usually equal to about 50% of annual income.>+F3F3;The Debt Liguidation Fund is to pay off any debts which areH+553-not already covered by credit life insurance.R+..3&Enter your total amount of such bills.\+C3C38The Mortgage/Rent module asks for your mortgage balance.f+??37If you are a renter, enter a '0' at the Mortgage promptp+JJ3Band then enter the amount of your monthly rent at the next prompt.z+8830The program will capitalize a Rent Fund for you.+P3P3EThe Child/Home Care Fund will capitalize a fund to provide the amount+==35necessary to provide the monthly payment you entered.+==35This fund will be based on your youngest child's age.+AA39Child care usually costs at least $300 to $400 per month.+G3G3< The Education Fund module allows you to provide a selective+333+amount per year for your child's education.+OO3GThis amount should be that charged by the school you wish your children+3 to attend.+9393.The Family Income module calculates the amount+BB3:of money necessary to keep your family in their same world+DD3