Now use the data from your calculations above and that from your personal circumstances, to estimate the amount of life insurance your family requires using the needs-based approach. If your answer is zero, enter " 0 ": Current Social Security benefits are detailed in the following table. Remember, that survivor benefits are paid to surviving children younger than age 18 , to a surviving spouse caring for surviving children younger than age 16 , and to a surviving spouse aged 60 or older. The table of interest factors that can be used to compute the present value of an annulty is