Expected Average Future Rate of Return from Your Investments % Immediate Obligations and Death Expenses   Funeral Expenses (average shoule be around $5000 to $6000) $ Immediate Home and Car Mortgage Payment (next 5 months) $ Total Family Expenses within 4 Months of Your death (because spouse can't work for a few months; business can't be run for a few months, etc) $ Medical Bill Immediately Due After Your Death $ Attorney's and Estate Executor's Fee $ Other Immediate Debt Payment (credit cards and bills) $ Long-term Debt and Obligations   Unpaid Value of Home Mortgage Loan (the real estate property used by your family) $ Unpaid Value of Car Loan $ Other Long-term Debts (other bank loans, private business debt, etc) $ Medium-term/Long-term Family Expenses   Spouse's age Spouse's spending per year $ /year Number of Years Before Child #1 Becomes Independent Child #1's spending per year (average for the future years) $ /year Number of Years Before Child #2 Becomes Independent Child #2's spending per year (average for the future years) $ /year Number of Years Before Child #3 Becomes Independent Child #3's spending per year (average for the future years) $ /year Number of Years Before Child #4 Becomes Independent Child #4's spending per year (average for the future years) $ /year Number of Years Before Child #5 Becomes Independent Child #5's spending per year (average for the future years) $ /year Liquid Assets   Checking Accounts $ Savings Accounts $ Money Market Funds $ Corporate and Government Bonds $ Fixed/Non-liquid Assets (Do Not Include the House and Cars that your family members are currently using)   CDs $ Current Value of Stock Options (actual market value of stocks - execution value of stocks) $ IRA, 401k, 403b or other retirement accounts $ Value of Houses and Land Not Used by Your Family Members (less any unpaid mortage) $ Value of Other Assets (business assets, jewelry, paintings loan to other people etc) $ Post-death Family Income   After-tax Income Brought in by Your Spouse Before the Spouse Retires $ /year Yearly After-tax Retirement Income from Social Security or Pensions for Your Spouse $ /year

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