Client Profile?Basic information about your client and their household, used to personalize the analysis and determine ages for calculations like retirement timeline and dependent coverage.
Basic personal & household information
Just Me
Me & My Partner
Partner Information
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Feeds into the household income shortage calculation in Section B
Children
Life Insurance, Education Fund, Emergency Fund, Disability Income
| # | Name | Age | Gender | |
|---|---|---|---|---|
| No children added yet. | ||||
Adult Dependents
Life Insurance, Emergency Fund, Disability Income
| # | Name | Age | Relationship | |
|---|---|---|---|---|
| No adult dependents added yet. | ||||
Section A — Debts & Expenses?How much money your loved ones would need to cover debts, the mortgage, final costs, and dependent care if something happened to the client today. These are one-time, lump-sum amounts added directly to the Life Insurance need.
How much to cover your debts and expenses?
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Remaining mortgage balance to be paid off
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Credit cards, lines of credit, car loans, etc.
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Funeral & burial costs — typically $10,000–$20,000
$
Estate costs, bequests, other lump sums
Section B — Income Shortage?How much income your family would need if you die, and how big a fund is needed to provide that income for the years it's needed.
How much income will your family need if you die?
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Rental, investment income
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%
Section C — Assets & Existing Insurance?What your client already has in place — existing life insurance, savings, and investments. These are subtracted from the calculated need to determine the coverage gap.
Do you have assets and existing insurance?
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$
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Traditional, Roth, SEP, SIMPLE IRA
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$
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Financial Goals?Select the areas you want to analyze for this client. Only selected goals will appear in the Gap Analysis results and the downloadable report.
Select all that apply to your client
Planning Assumptions?These sliders adjust the underlying math for every calculation: how much income to replace, expected investment growth, inflation, and how many years of protection are needed.
Adjust for your client's scenario
Section A — Current Income?Disability insurance typically replaces a percentage of gross income, up to a carrier maximum. This sets the benchmark for what coverage could be available.
What is your current income?
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Defaults to Annual Gross Income from the Life tab
Section B — Monthly Expenses?If income stopped due to a disability, these are the monthly expenses that would still need to be paid. This sets the income replacement target.
What monthly expenses would continue if you couldn't work?
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Defaults to Monthly Mortgage/Rent from the Life tab
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$
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Section C — Existing Coverage & Other Income?Disability income you already have in place, plus any other household income that would continue. These offset the monthly need calculated in Section B.
Do you have existing disability coverage or other income?
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Defaults to Existing Disability Income from the Life tab
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Section A — Income Replacement During Recovery?A critical illness diagnosis often means time away from work for treatment and recovery — sometimes months, sometimes longer. This lump sum replaces income during that period, paid directly to the client regardless of expenses.
How much income would you need to replace during treatment & recovery?
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Defaults to Annual Gross Income from the Life tab
Section B — Debts & Treatment-Related Expenses?Beyond lost income, a critical illness often brings out-of-pocket medical costs not covered by health insurance, plus the desire to pay off debt so recovery isn't complicated by financial stress.
What debts & expenses would you want covered?
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$
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Section C — Assets Available to Offset?Savings, investments, and existing critical illness coverage that could be used to help cover the costs above. These offset the lump sum needed from new coverage.
What assets & existing coverage do you have?
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Defaults to Savings + Other Investments from the Life tab
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