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Be sure to take into account any income from your spouse that can be used towards these expenses as well as any existing life insurance coverage your spouse may have. Remember, the coverage you may already receive from your employer could end if you leave your job, reducing your assets and family's ability to manage these expenses.

This calculation is based on today’s costs and doesn’t account for inflation or changes in annual earnings. We recommend that you review your coverage periodically to ensure that your needs can be met now and in the future.