Excel モデル: 保険ニーズ分析

タイトル： Insurance Needs Analysis

説明：

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.

アドバイス/ヒント:

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.

ソース： カスタム計算機

次のアイコンをクリックすると、新しいタブで完全なワークブックビューアーが開き、簡単に編集して保存できるようになります。

次のアイコンをクリックするとスプレッドシートがダウンロードされ、編集内容とともにファイルをコンピューターに保存できます。

計算機の使用例:

スプレッドシートの使用の詳細な例: ユーザーが完了するタスク:

General Information Section:
- Enter your personal details.
  - 例の値:
    - Name: John Doe
    - Age: 35
    - Estimated Annual Income: $75,000
Immediate Financial Needs:
- Input values for mortgage, emergency fund, child care expenses, college fund, and extra debts.
  - 例の値:
    - 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.
  - 例の値:
    - 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.
  - 例の値:
    - Savings & Investments: $100,000
    - Retirement Savings: $50,000
    - Life Insurance: $200,000
    - Other Death Benefits: $25,000
    - Other Available Funds: $30,000

インタラクティブ計算機が便利な理由:

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.

ソース： カスタムスプレッドシート

結論：

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.