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First calculate the economic value your working years may create. Then choose the number you want to carry into the illustration — less, equal, or more — as your planning decision.
1 — CALCULATE YOUR HUMAN ECONOMIC VALUE
1
CURRENT AGEYour age today.
2
VALUE THROUGH AGEAge through which future earnings are projected.
3
CURRENT GROSS ANNUAL INCOMEStarting annual economic production.
4
ANNUAL INCOME GROWTHIllustrative annual growth assumption.
5
ESTIMATED TAX / DEDUCTION RATEUsed to estimate economic value available to family.
What this calculation does: It adds each projected year of income — including the annual growth assumption — from your current age through the selected age. It therefore shows the cumulative economic value, not merely one year's income.
2 — SEE THE VALUE, THEN CHOOSE THE ILLUSTRATION NUMBER
ECONOMIC VALUE TO SOCIETY
$0
Cumulative projected gross earnings.
ECONOMIC VALUE TO FAMILY
$0
Cumulative projected value after the selected tax/deduction assumption.
WORKING YEARS0
SOCIETY / TAX PORTION$0
FAMILY % OF GROSS0%

YOUR ILLUSTRATION VALUE

Now that you can see the economic values, enter the amount you want used in the insurance / planning illustration. It may be lower, equal to, or higher than either calculated value.

Amount to use in the illustration
VALUE YOU CHOSE TO PURSUE / PRESERVE$0
CUMULATIVE ECONOMIC VALUE — YEAR BY YEAR
PRESERVEIdentify the livelihood and future economic value you do not want an unexpected event to erase.
EVALUATESee the projected economic value to society and to your family before discussing the planning method.
DECISIONYou choose the value you want to pursue and preserve; the illustration follows your decision.
Educational planning illustration only. Results are determined by the assumptions entered and are not a guarantee of future earnings, insurance coverage, tax results, investment performance, legal advice, or a recommendation to purchase any product.