What would your family's monthly income be?

Translate a coverage amount into the monthly income it would actually replace.

Coverage amount$750k

Years of income needed20 years

Investment assumption

Preserve principal

$3,438/mo

Live on the interest. Principal stays intact for the family long-term.

Spend over 20 years

$5,159/mo

Higher monthly income, but the balance reaches zero at the end of the period.

Year-by-year balance (spend-down)

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Raphael Hertz, NPN 22170072. Licensed insurance producer in all 50 states and DC. Estimates shown are not binding quotes — actual rates depend on health, carrier, and underwriting. Coverage and product availability vary by state and carrier.