Insurance Adequacy CALCULATOR Call if you need help 1-800-529-4333

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change the numbers below

Annual Income of Payor

Total Monthly Child Support Obligation

What is the current age of youngest child? (if one year or less enter 1)--

What is the current age of next youngest child? (if no more children enter 0)--

What is the current age of next youngest child?--

What is the current age of next youngest child?

How much personally-owned life insurance is in force (not including workplace group life insurance)?

Assumed Investment Interest Rate (Bank of Montreal 5 yr GIC-Jan 5,2009)

0.02 0.021 0.022 0.023 0.024 0.025 0.026 0.027 0.028 0.029 0.03 0.031 0.032 0.033 0.034 0.035 0.036 0.037 0.038 0.039 0.04 0.041 0.042 0.043 0.044 0.045 0.046 0.047 0.048 0.049 0.05 0.051 0.052 0.053 0.054 0.055 0.056 0.057 0.058 0.059

0.06

Assumed Rate of Inflation (based on CPI November, 2008)

""

Interest % :

www.familysure.ca

years.

Gross up calculation using the following assumptions :

$145,564

$106,718.30

Interest % :

30.00%

Inflation % :

Present Value :

Mar.Tax % :

Results in a monthly payment that is

taxable.

Therefore

/mo., grossed up, is

/mo.

Interest % :

you have enough insurance to cover the obligation

Increasing Benefit for

years.

Gross up calculation using the following assumptions :

Interest % :

Inflation % :

You have an insurance deficiency of…

Present Value :

Mar.Tax % :

THIS OBLIGATION SHOULD BE FULLY INSURED

Results in a monthly payment that is

taxable.

call 1-800-529-4333 for your no-cost, no-obligation, money-saving Familysure quote.

Therefore

/mo., grossed up, is

/mo.

Interest % :

Increasing Benefit for

years.

Gross up calculation using the following assumptions :

Interest % :

Inflation % :

Present Value :

Mar.Tax % :

Results in a monthly payment that is

taxable.

Therefore

/mo., grossed up, is

/mo.

Interest % :

Increasing Benefit for

years.

Gross up calculation using the following assumptions :

Interest % :

Inflation % :

Present Value :

Mar.Tax % :

Results in a monthly payment that is

taxable.

Therefore

/mo., grossed up, is

/mo.

Check only if support payor is female-

Check only if support payor has smoked in the last 12 months-

What is the current age of youngest child? (if one year or less enter 1)--

What is the current age of next youngest child? (if no more children enter 0)--

What is the current age of next youngest child?--

What is the current age of next youngest child?

What is support payor's annual income?--

Federal table amount is…

What is the actual monthly amount of child support payable?

What is the current age of support payor?

52

This is an illustration only, not a contract.  All premium amounts illustrated are subject to underwriting approval by Unity Life of Canada. This is a fully guaranteed, non-participating, non-convertible term life product that does not contain any non-forfeiture options, reduced paid-up values, cash surrender values or policy loan values.  For a full description of the policy provisions and definitions, please refer to the policy contract.

Standard annual Familysure insurance cost …

Standard monthly Familysure insurance cost…

INSURANCE CODE

YEARS TO GO CHILD YOUNGEST

INSURANCE LOOKUP CODE Y

YEARS TO GO CHILD Y2

INSURANCE LOOKUP CODE Y2

YEARS TO GO CHILD Y3

INSURANCE LOOKUP CODE Y3

YEARS TO GO CHILD Y4

INSURANCE LOOKUP CODE Y4

CHILD COUNTER

APPORTION y

APPORTION y2

APPORTION y3

APPORTION y4

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INSURANCE rate Y

INSURANCE rate Y2

INSURANCE rate Y3

INSURANCE rate Y4

GROSSUP RATE Y

GROSSUP RATE Y2

GROSSUP RATE Y3

GROSSUP RATE Y4

insurance cost y

insurance cost y2

insurance cost y3

insurance cost y4

20

21

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25

26

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28

29

30

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32

33

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36

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38

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65

77.54

84.7

gross up table