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Calculating a Death Benefit written on her life. The policy has accumulated and in cash value Alexandra hus borrowed $2.700 of 24 premium of $1,500 for the coming year. What is the current death benefit from this policy? this value. The policy also has accumulated unpaid dividends of $1.659_Yesterday Alexandra paid her 1243 18000 2700 + 1650 - YOU $ 178,050 Apply What You've Learned Scenario: You are 30 years old with a gross annual income of $55,000. You are married with 2-year-old twin children. Your spouse is 30 years of age. You estimate that your final expenses for funeral, burial. and other expenses will be $15,000. You currently owe $185.000 on a mortgage, $25,000 on a car loan, und $20,000 in credit card debt. You would like to replace your income for 30 years, and believe that our insurance proceeds can be invested to earn a 5% return. You would also like a minimum of 60,000 for each child be placed in a college fund. You do not anticipate a need to fund a readjustment eriod for your spouse. You currently have a $80,000 whole life insurance policy. 524,000: $12,000) Your current short-term debt-repayment needs are (S210,000; $45.00: S230,000; $205,000), and reflect the costs of your car loan and credit cards, car loan, credit cards, and mortgage; credit cards and mortgage; car loan and mortgage). Current Social Security benefits are detailed in the following table. Remember, that survivor benefits are said to surviving children younger than age 18, to a surviving spouse caring for surviving children wounger than age 16, and to a surviving spouse aged 60 or older. Benefit Present annual income $35.000 $45,000 $55,000 $75,000 Annual retirement benefit (at age 67 in today's dollars) $17,160 $20,400 $22,800 $27,240 Annual individual survivor benefit 12.480 14,760 17,040 19.920 Maximum annual family benefit 30,960 36.120 40.800 46,560 The table of interest factors that can be used to compute the present value of an annuity is: Interest rate Years 3% 4% 5% 6% 7% 14 10.6350 9.9856 9.3936 8.8527 8.3577 15 11.9379 11.1184 10.3797 9.7122 9.1079 46,510 - 16 12.5611 11.6523 10.8378 10.1059 9.4466 17 13.1661 12 1657 Maximum annual family benefit 30,960 36,120 The table of interest factors that can be used to compute the present value of an annuity Interest rate Years 3% 4% 5% 6% 7% 14 10.6350 9.9856 9.3936 8.8527 8.3577 15 11.9379 11.1184 10.3797 9.7122 16 12.5611 11.6523 10.8378 10.1059 9.4466 17 13.1661 12.1657 11.2741 10.4773 9.7632 18 13.7535 12.6593 11.6896 10.8276 10.0591 9.1079 46,560- 20 14.8755 17.4131 25 13.5903 12.4622 11.4699 10.5940 15.6221 14.0939 12.7834 11.6536 17.2920 15.3725 13.7648 12.4090 18.6646 16.3742 14.4982 12.9477 30 19.6004 21.4872 35 Your twin's survivor benefits are currently expected to total (S25,560; $85,200; $3 year for (15, 16, 17, 18) years. When they are discounted at 5% for this amount of 20 12.4622 10.5940 14.8755 17.4131 13.5903 15.6221 25 11.4699 12.7834 13.7648 14.4982 30 19.6004 14.0939 15.3725 16.3742 17.2920 11.6536 12.4090 12.9477 35 21.4872 18.6646 Your twin's survivor benefits are currently expected to total (S25,560; 585,200, $34,080; 551,120) per year for (15, 16, 17, 18) years. When they are discounted at 5% for this amount of time, using the 16- year interest annuity factor of 10.8378, they are expected to total (S277,014; 892,338; 5369,352; $23.760). The computation of your spouse's survivor benefits, on the other hand, are more complex. Your spouse should expect to receive survivor benefits until your children are 15, 16, 17, 18) years of age. Given your present annual income, spousal benefits are estimated to be ($40,800; $6,720; 551,120; $23.760) per year. (Hint: Don't forget that there is a maximum annual family benefit that may reduce the amount of your spouse's annual benefit.) Calculating a Death Benefit written on her life. The policy has accumulated and in cash value Alexandra hus borrowed $2.700 of 24 premium of $1,500 for the coming year. What is the current death benefit from this policy? this value. The policy also has accumulated unpaid dividends of $1.659_Yesterday Alexandra paid her 1243 18000 2700 + 1650 - YOU $ 178,050 Apply What You've Learned Scenario: You are 30 years old with a gross annual income of $55,000. You are married with 2-year-old twin children. Your spouse is 30 years of age. You estimate that your final expenses for funeral, burial. and other expenses will be $15,000. You currently owe $185.000 on a mortgage, $25,000 on a car loan, und $20,000 in credit card debt. You would like to replace your income for 30 years, and believe that our insurance proceeds can be invested to earn a 5% return. You would also like a minimum of 60,000 for each child be placed in a college fund. You do not anticipate a need to fund a readjustment eriod for your spouse. You currently have a $80,000 whole life insurance policy. 524,000: $12,000) Your current short-term debt-repayment needs are (S210,000; $45.00: S230,000; $205,000), and reflect the costs of your car loan and credit cards, car loan, credit cards, and mortgage; credit cards and mortgage; car loan and mortgage). Current Social Security benefits are detailed in the following table. Remember, that survivor benefits are said to surviving children younger than age 18, to a surviving spouse caring for surviving children wounger than age 16, and to a surviving spouse aged 60 or older. Benefit Present annual income $35.000 $45,000 $55,000 $75,000 Annual retirement benefit (at age 67 in today's dollars) $17,160 $20,400 $22,800 $27,240 Annual individual survivor benefit 12.480 14,760 17,040 19.920 Maximum annual family benefit 30,960 36.120 40.800 46,560 The table of interest factors that can be used to compute the present value of an annuity is: Interest rate Years 3% 4% 5% 6% 7% 14 10.6350 9.9856 9.3936 8.8527 8.3577 15 11.9379 11.1184 10.3797 9.7122 9.1079 46,510 - 16 12.5611 11.6523 10.8378 10.1059 9.4466 17 13.1661 12 1657 Maximum annual family benefit 30,960 36,120 The table of interest factors that can be used to compute the present value of an annuity Interest rate Years 3% 4% 5% 6% 7% 14 10.6350 9.9856 9.3936 8.8527 8.3577 15 11.9379 11.1184 10.3797 9.7122 16 12.5611 11.6523 10.8378 10.1059 9.4466 17 13.1661 12.1657 11.2741 10.4773 9.7632 18 13.7535 12.6593 11.6896 10.8276 10.0591 9.1079 46,560- 20 14.8755 17.4131 25 13.5903 12.4622 11.4699 10.5940 15.6221 14.0939 12.7834 11.6536 17.2920 15.3725 13.7648 12.4090 18.6646 16.3742 14.4982 12.9477 30 19.6004 21.4872 35 Your twin's survivor benefits are currently expected to total (S25,560; $85,200; $3 year for (15, 16, 17, 18) years. When they are discounted at 5% for this amount of 20 12.4622 10.5940 14.8755 17.4131 13.5903 15.6221 25 11.4699 12.7834 13.7648 14.4982 30 19.6004 14.0939 15.3725 16.3742 17.2920 11.6536 12.4090 12.9477 35 21.4872 18.6646 Your twin's survivor benefits are currently expected to total (S25,560; 585,200, $34,080; 551,120) per year for (15, 16, 17, 18) years. When they are discounted at 5% for this amount of time, using the 16- year interest annuity factor of 10.8378, they are expected to total (S277,014; 892,338; 5369,352; $23.760). The computation of your spouse's survivor benefits, on the other hand, are more complex. Your spouse should expect to receive survivor benefits until your children are 15, 16, 17, 18) years of age. Given your present annual income, spousal benefits are estimated to be ($40,800; $6,720; 551,120; $23.760) per year. (Hint: Don't forget that there is a maximum annual family benefit that may reduce the amount of your spouse's annual benefit.)