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These calculators will help determine your needs and help you make the right decisions. Many of the calculators are also in each product section. Only you see the figures you enter.

How much life insurance do I need?

What is my potential estate tax liablitiy?

How much can I contribute to an IRA?

What are my long-term care insurance needs?

How much disability insurance do I need?



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"Real intelligence is the creative use of knowledge, not merely an accumulation of facts."
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RMCLU
556 West Jericho Turnpike,
Smithtown, NY 11787
Tel: 631.863.2200
Toll Free: 800.561.1492
Fax: 631.863.2204
www. rmclu.com

LIFE INSURANCE

Prepare yourself for the inevitable uncertainties that lie ahead.

The right insurance policy can create a more secure financial future for you and your loved ones. The amount and term of insurance depend on your obligations and the lifestyle you want to maintain for your heirs. You need to know the cash your family needs to cover the expenses that arise at death - medical and funeral expenses, estate settlement costs, federal and state death taxes and more. Ask yourself:
  • What do I have and why do I have it?
  • Will it do what I want and need?
  • Will my family to stay in their own home?
  • Are my policies competitively priced?

Calculate your needs - you may have too much or too little coverage.

At your death, life insurance proceeds can be used to pay the cash needs that arise at death, to maintain your family’s income and other needs. Financial advisors recommend 5 to 10 times your current annual income to replace that income for the number of years needed. Determine the capital needed to replace your earning power: Life Insurance Needs

Search for the most competitive offers.

Whole Life Insurance is preferable for you if you want a policy that accumulates cash value that grows tax-deferred. Term coverage, which is more affordable, is designed primarily to meet burial expenses and unplanned costs. Search for the most competitive offers from the top insurance companies in America: Term Insurance Quotations

Get the facts: Life Insurance Product Summary

Interested? Let's talk. Call me at 1.800.561.1492 or email me at: bob@rmclu.com








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