Roughing Out Your Life Insurance Needs

Estimated coverage, expressed as multiples of annual salary, needed to replace 75% of take home pay until insured would have reached age 65.*

Annual Pay (before taxes)	Current Age of Person Insured
Annual Pay (before taxes)	25	30	35	40	45	50	55
20,000	14	13	12	10	9	7	6
30,000	14	13	12	10	9	7	5
40,000	13	12	11	10	9	7	5
60,000	12	12	11	9	8	6	5
80,000	12	11	10	9	8	6	4
100,000	11	10	9	8	7	5	4
150,000	10	10	9	8	7	5	4
200,000	9	9	8	7	6	5	5

*Doesn't take into account any income survivors could expect from Social Security, investments or other sources. More or less income could be needed, depending on individual family circumstances.

Source: Principal Financial Group