Life insurance income replacement scenario builder by household phase
Model up to three cash-flow periods instead of multiplying salary by one number. Each phase uses monthly household need, reliable survivor income and a defined duration.
Modeled income bridge
$693,600This is the simple sum of each monthly gap multiplied by its duration.
No inflation, investment return, tax or public-benefit estimate is applied. Verify those items separately and avoid counting the same years in more than one phase.
Use phases because household needs change
The early transition can cost more than later years, while dependent costs eventually end. Read the income-replacement guide, then add debts and goals in the coverage planner.