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LIFE INSURANCE PLANNER
How much life insurance do you need?

Please double check your numbers, and fine tune so your info accurately reflects your life insurance needs.

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.

The average North American funeral costs between $7,000 and $10,000.

Include incidentals like unpaid medical costs.

Skip if you included college expenses in Other Debts

Include all money owed on mortgages, car loans, credit cards, student loans and so on.

Most people live on 70-80% of their current take home pay.

The smartest kid you've ever met

still needs your help with school

See some tuition estimates

It's a game now. Someday it won't be.

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Pros
Affordable Tuition
Flexible Scheduling
Transferable Credits
Small Class Size

Cons
Limited Educational Options
Non-competitive Environment
Limited Campus Life

$16,908

Estimated tuition and fees for a 2-year community college in 2032.

Source: College Savings Plans Network, College Cost Calculator, accessed Jan. 7, 2015

Pros
You Become a Doctor!
Highest Attainable Degree
High Potential for Significant Earning Power

Cons
Lengthy Start to Earning Money
Very Stressful
Extensive Time Commitment

$96,858+

Estimated tuition and fees for a 4-year in-state public college in 2032. Doctorate degree costs vary widely. Check specific universities and programs for additional costs.

 

 

Source: College Savings Plans Network, College Cost Calculator, accessed Jan. 7, 2015

Pros
Greater Earning Power
Research & Teaching Opportunities
Potential for free tuition

Cons
Highly Competitive
Stressful
Long Time Commitment

$96,858+

Estimated tuition and fees for a 4-year in-state public college in 2032. Masters degree costs vary widely. Check specific universities and programs for additional costs.

Source: College Savings Plans Network, College Cost Calculator, accessed Jan. 7, 2015

Pros
Smaller Class Sizes
High Quality Professors
High Student Engagement
Potentially greater access to scholarships

Cons
Expensive Tuition
Unforgiving Workload
Spotty Credit Transfers
Limited Class Offerings

$327,768

Estimated tuition and fees for a 4-year private college in 2032.

Source: College Savings Plans Network, College Cost Calculator, accessed Jan. 7, 2015

Pros
Diverse Student Body
Flexible Scheduling
Campus Jobs

Cons
Large Class Size
Limited Class Availability
Limited Access to Professors

$241,823

Estimated tuition and fees for a 4-year out-of-state public college in 2032.
 

Source: College Savings Plans Network, College Cost Calculator, accessed Jan. 7, 2015

Pros
Flexible Scheduling
Enter The Workforce Earlier
Detailed Specific Job Training

Cons
Narrowly Focused
No Job Guarantee
May Not Always Be More Affordable

$44,000

Estimated tuition and fees for a 2-year trade school certificate in 2032.

Source: The Simple Dollar, Why You Should Consider Trade School Instead of College, accessed Jan. 7, 2015

Pros
Subsidized Costs
On the job training
Enhanced Life Experiences

Cons
Delayed College Entry
Lifestyle commitment
Limited Input Towards Location

$0

Estimated tuition and fees for a 4-year public college in 2032 with assistance program.

Source: Department of Veterans Affairs, Post 9/11 GI Bill, accessed Jan. 12, 2015.

Pros
Affordable Tuition
Diverse Student Body
Flexible Scheduling

Cons
Large Class Size
Limited Class Availability
Limited Access to Professors

$96,858

Estimated tuition and fees for a 4-year in-state public college in 2032.

Source: College Savings Plans Network, College Cost Calculator, accessed Jan. 7, 2015

Let's look at some ways
to make this happen

Approximate tuition: {{tuitionText}}

How should you save?

COUNTRY Financial can help you choose the right path.

Some popular choices include:

MORTGAGE CALCULATOR

For the sake of time, we made some assumptions about your mortgage. Please double check your numbers, and fine tune so the info accurately reflects how much you can afford.

NOTE: To ensure your financial security, estimates automatically set an 8% debt-to-income ratio, and 36% back-end ratio.

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.

Include auto loan, credit card, child support, etc. Do not include your current mortgage payment.

Interest rates may vary depending on credit scores, down payment amount, loan term and other factors.

Homeowners usually agree to a 30-year term. Shorter terms usually lead to lower rates and faster loan payoff, but will also have a higher monthly payment.

A bigger down payment may mean lower interest rates and mortgage payments, as well as the avoidance of other fees.

The national average is around $2,000, but taxes vary widely by location and home value.

The national average is around $800, but vary widely by location, property type, and other factors.

What we've learned

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