Μοντέλο Excel: Ανάλυση ασφαλιστικών αναγκών

Προσωπικά Οικονομικά Μοντέλο Excel: Ανάλυση ασφαλιστικών αναγκών

Τίτλος: Insurance Needs Analysis

Περιγραφή:

This spreadsheet is designed to provide a comprehensive analysis of an individual’s insurance needs. It includes sections for general information, immediate financial needs, future financial needs, and current assets. The aim is to help determine the appropriate amount of life insurance coverage required to ensure financial security for the individual’s family.

General Information:
- Collects basic personal details such as name, age, address, company information, civil status, and estimated annual income.
Immediate Financial Needs:
- Covers essential financial obligations such as mortgage balance, emergency fund, child care expenses, college fund, and extra debts.
Future Financial Needs:
- Calculates the income replacement needs of the survivor, considering current income, percentage needed, less survivor pension income, and the present value of income replacement needs.
Current Assets:
- Details all current assets including savings & investments, retirement savings, life insurance, other death benefits, and other available funds and assets.

Συμβουλές/Συμβουλές:

General Information:
- Ensure all personal details are up to date to provide accurate analysis.
Immediate Financial Needs:
- Regularly update financial obligations to reflect any changes in your financial situation.
Future Financial Needs:
- Consider both current and future income requirements to ensure the survivor’s financial security.
Current Assets:
- Regularly review and update the value of your assets to maintain an accurate assessment.

Πηγή: Προσαρμοσμένη Αριθμομηχανή

Κάντε κλικ στο παρακάτω εικονίδιο για να ανοίξετε το πλήρες πρόγραμμα προβολής βιβλίου εργασίας σε μια νέα καρτέλα, επιτρέποντάς σας να επεξεργάζεστε και να αποθηκεύετε εύκολα.

Κάντε κλικ στο παρακάτω εικονίδιο για να κάνετε λήψη του υπολογιστικού φύλλου, επιτρέποντάς σας να αποθηκεύσετε το αρχείο στον υπολογιστή σας μαζί με τροποποιήσεις.

Παράδειγμα χρήσης αριθμομηχανής:

Λεπτομερές παράδειγμα χρήσης υπολογιστικού φύλλου: Εργασίες που πρέπει να ολοκληρώσει ο χρήστης:

General Information Section:
- Enter your personal details.
  - Παραδείγματα τιμών:
    - Name: John Doe
    - Ηλικία: 35
    - Estimated Annual Income: $75,000
Immediate Financial Needs:
- Input values for mortgage, emergency fund, child care expenses, college fund, and extra debts.
  - Παραδείγματα τιμών:
    - Mortgage: $150,000
    - Emergency Fund: $20,000
    - Child Care Expenses: $50,000
    - College Fund: $80,000
    - Extra Debts: $30,000
Future Financial Needs:
- Enter current income, percentage needed, and less survivor pension income.
  - Παραδείγματα τιμών:
    - Current Income: $75,000
    - Percentage Needed: 70%
    - Less Survivor Pension Income: $15,000
Current Assets:
- Input the value of savings & investments, retirement savings, life insurance, other death benefits, and other available funds.
  - Παραδείγματα τιμών:
    - Savings & Investments: $100,000
    - Retirement Savings: $50,000
    - Life Insurance: $200,000
    - Other Death Benefits: $25,000
    - Other Available Funds: $30,000

Γιατί είναι χρήσιμη η διαδραστική αριθμομηχανή:

This spreadsheet consolidates all essential information to provide a detailed analysis of insurance needs. It helps users understand the amount of coverage required to maintain their family’s financial stability in the event of their death.

Πηγή: Προσαρμοσμένο υπολογιστικό φύλλο

Συμπέρασμα:

The Insurance Needs Analysis is a crucial tool for determining the appropriate amount of life insurance coverage required. By providing a detailed and organized approach to assessing financial needs and current assets, it helps users ensure their family’s financial stability and security. Regular updates and reviews ensure that the analysis remains accurate and aligned with current financial conditions.