ANNUAL INCOME ANNUAL RAISE (%) CURRENT AGE  
THE ANNUAL VALUE OF SERVICES YOU PROVIDE BUT ARE NOT DIRECTLY PAID FOR (E.G. ANNUAL COST FOR CHILD CARE, HOUSEWORK, YARD WORK, ETC)
NON-WAGE VALUE
AN INTEREST RATE ADJUSTMENT FOR THE TIME VALUE OF MONEY, APPLIED TO YOUR INCOME. THE DEFAULT IS 5%.
TVM ADJUSTMENT
FUTURE AGE  
CURRENT LIFE INSURANCE AMOUNT TOTAL LIFE INSURANCE YOU SHOULD HAVE IN-FORCE    
               
  FUTURE VALUE OF YOUR EARNINGS YOUR HUMAN LIFE VALUE IN TODAY'S DOLLARS   ADDITIONAL LIFE INSURANCE YOU SHOULD BUY