Insurance Needs Calculator
Planning to meet the financial needs of your survivors is one of the most important and fundamental steps in creating a sound financial plan for you and your family. This step may require the purchase of a life insurance policy to ensure that your family's needs will continue to be met, even after your untimely death cuts your earnings potential short.

* required

Age, Income and Assumptions

  1. (1-85)
  2. (if applicable)
  3. ($)
  4. ($, if applicable)
  5. (if applicable)
  6. (%)
  7. (%) Help Icon

Immediate Cash Needs

  1. ($)
  2. ($)
  3. ($)
  4. ($)

Long-Term Income Needs

  1. ($, typically 70-80% of current combined income)
  2. ($) Help Icon

Available Resources

  1. ($)
  2. ($)


Immediate Needs Label
Long-term needs Label
Total needs Label


Investment assets Label
Life Insurance Proceeds Label
Spouse's Earnings Label
Social security Label
Total resources Label
Shortfall Label
Additional life insurance needed Label
Starting Out
Learn about life insurance. Our easy and affordable life protection and member benefit options empower you and your community.
To financially protect what means most, learn about our life insurance and member benefit options including scholarships.
Empty Nesters
Secure your financial future and learn about our life insurance and member benefit options to empower you and other women pursuing their dreams.
You’ve earned it. Get smart and learn how to protect your retirement with our products as well as options for our valuable member health discounts and other benefits.
On Your Own
Take center stage, grow, and give back. Learn how our financial protection products, valuable member benefits, and volunteer programs can empower yourself and other women in your community.
Insurance  with  a  DifferenceSM
Royal Neighbors of America
230 16th Street • Rock Island, IL 61201-8645
(800) 627-4762

©2016 Royal Neighbors of America