| Cash and savings | Total you have in cash, checking accounts, savings accounts or other accounts that can be used to help cover expenses |
| Home equity | Total amount of equity in your home that you are willing to use toward your living expenses |
| Investments | Total value of all investments that you are willing to use toward your living expenses |
| Other | Any other assets that you may be willing to sell or liquidate |
| Estate or inheritance taxes on assets | Percent taxes that are required to be paid on total assets |
| Probate costs | Probate costs cover a states legal fees for disbursing the assets of the deceased. You may incur significant probate costs, depending on your state of residence, even if you have a will. |
| Funeral costs | All costs required to cover the cost of the funeral |
| Uninsured medical costs | Any medical costs that are not covered by your medical insurance. Make sure to include any deductibles |
| Debt repayment | Credit card debt, auto loans, home equity loans, mortgages or other debt that you wish to repay. Providing the ability to repay these loans if you were to die can significantly help your family meet its monthly living expenses |
| College fund for children | Amounts you wish to provide your surviving children to cover future college expenses |
| Spouse income from work | Income expected from your spouse after your death. If your spouse needs education or retraining, make user that the starting year for this income provides adequate time to complete |
| Social security survivor benefits | Depending on your work history, your family may qualify for social security benefits. |
| Living expenses with children at home | Total monthly expenses while your children are living at home. This should include all monthly expenses except child care |
| Living expenses with children gone | Total monthly expenses after your children have left home. This should include all monthly expenses |
| Childrens college expenses | Monthly expenses for your children's college expenses. If your children have not yet entered college, leave this amount at zero and enter an amount in the college fund entry fields in the total expenses at death section |
| Retraining and education for spouse | Monthly expenses expected to cover any cost of education or retraining for your spouse to re-enter the workforce |
| Other expenses | Any other monthly expenses not included above |
| Combined federal and state tax rate | This is your effective tax rate. To calculate this rate take your total income for last year divided by your total federal and state taxes paid |
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