KJE.LifeInsuranceCalc=function(){this.NATIONALITY_US="US";this.NATIONALITY_CANADA="CANADA";this.NATIONALITY_OTHER="OTHER";this.INTERNATIONAL=KJE.parameters.get("INTERNATIONAL",this.NATIONALITY_US);this.AFTER_TAX=KJE.parameters.get("AFTER_TAX",false);if(KJE.parameters.get("HIDE_ALL_TAXES",false)){this.AFTER_TAX=true}this.ALTERNATE_FUTURE_INCOME=KJE.parameters.get("ALTERNATE_FUTURE_INCOME",false);this.IMMEDIATE_NEED_MSG=KJE.parameters.get("IMMEDIATE_NEED_MSG","Your required life insurance was increased by IMMEDIATE_NEED_INCREASE to cover a shortfall projected IMMEDIATE_NEED_YEARS year(s) after your death. Without this immediate need, your required life insurance would be WO_IMMEDIATE_NEED_AMOUNT. While this increase may leave your family with what seems to be a large surplus in later years, it is needed to cover your families more immediate financial needs.");this.bFrance=KJE.parameters.get("MSG_CHANGE_PREFIX",false);this.MSG_MORE=KJE.parameters.get("MSG_MORE","more");this.MSG_LESS=KJE.parameters.get("MSG_LESS","less");this.CHECK_BOX=false;this.TOTAL_VALUE_OF_INTEREST_INCOME=0;this.TOTAL_ASSETS_TO_COVER_EXPENSES=0;this.TOTAL_EXPENSES_AT_DEATH=0;this.TOTAL_VALUE_OF_CURRENT_INCOME=0;this.TOTAL_FUTURE_EXPENSES=0;this.LIFE_INSURANCE_REQUIRED_TO_COVER_SHORTFALL=0;this.IMMEDIATE_NEED_INCREASE=0;this.WO_IMMEDIATE_NEED_AMOUNT=0;this.IMMEDIATE_NEED_YEARS=0;this.DSD_INS_INTEREST_TOTAL=0;this.TOTAL_EXPENSES=0;this.TOTAL_INCOME=0;this.NEW_INSURANCE_NEEDED=0;this.GRAPH_MIN=0;this.DSD_EXPENSES=null;this.DSD_INCOME=null;this.DSD_INS_BALANCE=null;this.DSD_INS_INTEREST=null;this.cats=null;this.sSchedule=new KJE.Repeating()};KJE.LifeInsuranceCalc.prototype.clear=function(){this.CURRENT_INSURANCE=0;this.CASH_AND_SAVINGS=0;this.HOME_EQUITY=0;this.INVESTMENTS=0;this.OTHER=0;this.ESTATE_OR_INHERITANCE_TAXES_ON_ASSETS=0;this.PROBATE_COSTS=0;this.FUNERAL_COSTS=0;this.UNINSURED_MEDICAL_COSTS=0;this.DEBT_REPAYMENT=0;this.COLLEGE_FUND_FOR_CHILD_1=0;this.COLLEGE_FUND_CHILD_2=0;this.COLLEGE_FUND_CHILD_3=0;this.SPOUSE_INCOME_FROM_WORK=0;this.YEARS_UNTIL_START_SPOUSE_INCOME_FROM_WORK=0;this.DURATION_SPOUSE_INCOME_FROM_WORK=0;this.SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME=0;this.YEARS_UNTIL_START_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME=0;this.DURATION_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME=0;this.SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE=0;this.YEARS_UNTIL_START_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE=0;this.DURATION_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE=0;this.OTHER_INCOME=0;this.YEARS_UNTIL_START_OTHER_INCOME=0;this.DURATION_OTHER_INCOME=0;this.CHILD_CARE_EXPENSES=0;this.YEARS_UNTIL_START_CHILD_CARE_EXPENSES=0;this.DURATION_CHILD_CARE_EXPENSES=0;this.LIVING_EXPENSES_WITH_CHILDREN_AT_HOME=0;this.YEARS_UNTIL_START_LIVING_EXPENSES_WITH_CHILDREN_AT_HOME_=0;this.DURATION_LIVING_EXPENSES_WITH_CHILDREN_AT_HOME_=0;this.LIVING_EXPENSES_WITH_CHILDREN_GONE=0;this.YEARS_UNTIL_START_LIVING_EXPENSES_WITH_CHILDREN_GONE=0;this.DURATION_LIVING_EXPENSES_WITH_CHILDREN_GONE=0;this.CHILDRENS_COLLEGE_EXPENSES=0;this.YEARS_UNTIL_START_CHILDRENS_COLLEGE_EXPENSES=0;this.DURATION_CHILDRENS_COLLEGE_EXPENSES=0;this.RETRAINING_AND_EDUCATION_FOR_SPOUSE=0;this.YEARS_UNTIL_START_RETRAINING_AND_EDUCATION_FOR_SPOUSE=0;this.DURATION_RETRAINING_AND_EDUCATION_FOR_SPOUSE=0;this.OTHER_EXPENSES=0;this.OTHER_ATDEATH_EXPENSES=0;this.YEARS_UNTIL_START_OTHER_EXPENSES=0;this.DURATION_OTHER_EXPENSES=0;this.NUMBER_OF_YEARS_YOU_WISH_INSURANCE_TO_COVER=0;this.INFLATION_RATE=0;this.RATE_EARNED_ON_SAVINGS_AND_INVESTMENTS=0;this.COMBINED_FEDERAL_AND_STATE_TAX_RATE=0};KJE.LifeInsuranceCalc.prototype.calculate=function(V){var k=KJE;var p=this.CURRENT_INSURANCE;var z=this.CASH_AND_SAVINGS;var W=this.HOME_EQUITY;var L=this.INVESTMENTS;var o=this.OTHER;var R=this.ESTATE_OR_INHERITANCE_TAXES_ON_ASSETS;var m=this.PROBATE_COSTS;var P=this.FUNERAL_COSTS;var s=this.UNINSURED_MEDICAL_COSTS;var ag=this.DEBT_REPAYMENT;var y=this.COLLEGE_FUND_FOR_CHILD_1;var J=this.COLLEGE_FUND_CHILD_2;var H=this.COLLEGE_FUND_CHILD_3;var E=this.SPOUSE_INCOME_FROM_WORK;var x=this.YEARS_UNTIL_START_SPOUSE_INCOME_FROM_WORK;var D=this.DURATION_SPOUSE_INCOME_FROM_WORK;var c=this.SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME;var ak=this.YEARS_UNTIL_START_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME;var B=this.DURATION_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME;var t=this.SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE;var I=this.YEARS_UNTIL_START_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE;var ab=this.DURATION_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE;var h=this.OTHER_INCOME;var ai=this.YEARS_UNTIL_START_OTHER_INCOME;var b=this.DURATION_OTHER_INCOME;var v=this.CHILD_CARE_EXPENSES;var g=this.YEARS_UNTIL_START_CHILD_CARE_EXPENSES;var Q=this.DURATION_CHILD_CARE_EXPENSES;var F=this.LIVING_EXPENSES_WITH_CHILDREN_AT_HOME;var U=this.YEARS_UNTIL_START_LIVING_EXPENSES_WITH_CHILDREN_AT_HOME_;var G=this.DURATION_LIVING_EXPENSES_WITH_CHILDREN_AT_HOME_;var Y=this.LIVING_EXPENSES_WITH_CHILDREN_GONE;var aj=this.YEARS_UNTIL_START_LIVING_EXPENSES_WITH_CHILDREN_GONE;var T=this.DURATION_LIVING_EXPENSES_WITH_CHILDREN_GONE;var ae=this.CHILDRENS_COLLEGE_EXPENSES;var e=this.YEARS_UNTIL_START_CHILDRENS_COLLEGE_EXPENSES;var S=this.DURATION_CHILDRENS_COLLEGE_EXPENSES;var f=this.RETRAINING_AND_EDUCATION_FOR_SPOUSE;var Z=this.YEARS_UNTIL_START_RETRAINING_AND_EDUCATION_FOR_SPOUSE;var q=this.DURATION_RETRAINING_AND_EDUCATION_FOR_SPOUSE;var ah=this.OTHER_EXPENSES;var af=this.OTHER_ATDEATH_EXPENSES;var j=this.YEARS_UNTIL_START_OTHER_EXPENSES;var O=this.DURATION_OTHER_EXPENSES;var N=this.NUMBER_OF_YEARS_YOU_WISH_INSURANCE_TO_COVER;var u=this.INFLATION_RATE;var ad=this.RATE_EARNED_ON_SAVINGS_AND_INVESTMENTS;var aa=this.COMBINED_FEDERAL_AND_STATE_TAX_RATE;this.TOTAL_EXPENSES_AT_DEATH=0;this.TOTAL_VALUE_OF_CURRENT_INCOME=0;this.TOTAL_FUTURE_EXPENSES=0;this.LIFE_INSURANCE_REQUIRED_TO_COVER_SHORTFALL=0;this.TOTAL_EXPENSES=0;this.TOTAL_INCOME=0;this.IMMEDIATE_NEED_INCREASE=0;this.WO_IMMEDIATE_NEED_AMOUNT=0;this.IMMEDIATE_NEED_YEARS=0;this.INTEREST_INCOME=0;this.TOTAL_ASSETS_TO_COVER_EXPENSES=z+W+L+o;this.TOTAL_EXPENSES_AT_DEATH=R+m+P+s+ag+y+J+H+af;var l=Math.round(N);this.DSD_INS_INTEREST=KJE.FloatArray(l);this.DSD_EXPENSES=KJE.FloatArray(l);this.DSD_INCOME=KJE.FloatArray(l);this.DSD_INS_BALANCE=KJE.FloatArray(l);this.cats=new Array(l);this.TOTAL_VALUE_OF_CURRENT_INCOME=0;var M=u/100;var w=(ad/100)*(1-(aa/100));var ac=0;for(ac=0;ac<N;ac++){this.DSD_INCOME[ac]=0;if(x<=ac&&E>0){if((D+x)>ac){this.TOTAL_VALUE_OF_CURRENT_INCOME=this.TOTAL_VALUE_OF_CURRENT_INCOME+KJE.NPV_AMT(w,ac,KJE.FV_AMT(M,ac,12*E));this.DSD_INCOME[ac]=this.DSD_INCOME[ac]+KJE.FV_AMT(M,ac,12*E)}}if(ak<=ac&&c>0){if(B+ak>ac){this.TOTAL_VALUE_OF_CURRENT_INCOME=this.TOTAL_VALUE_OF_CURRENT_INCOME+KJE.NPV_AMT(w,ac,KJE.FV_AMT(M,ac,12*c));this.DSD_INCOME[ac]=this.DSD_INCOME[ac]+KJE.FV_AMT(M,ac,12*c)}}if(I<=ac&&t>0){if(ab+I>ac){this.TOTAL_VALUE_OF_CURRENT_INCOME=this.TOTAL_VALUE_OF_CURRENT_INCOME+KJE.NPV_AMT(w,ac,KJE.FV_AMT(M,ac,12*t));this.DSD_INCOME[ac]=this.DSD_INCOME[ac]+KJE.FV_AMT(M,ac,12*t)}}if(ai<=ac&&h>0){if(b+ai>ac){this.TOTAL_VALUE_OF_CURRENT_INCOME=this.TOTAL_VALUE_OF_CURRENT_INCOME+KJE.NPV_AMT(w,ac,KJE.FV_AMT(M,ac,12*h));this.DSD_INCOME[ac]=this.DSD_INCOME[ac]+KJE.FV_AMT(M,ac,12*h)}}this.DSD_INCOME[ac]=k.roundDollars(this.DSD_INCOME[ac]);this.TOTAL_INCOME+=this.DSD_INCOME[ac]}this.TOTAL_FUTURE_EXPENSES=0;for(ac=0;ac<N;ac++){this.DSD_EXPENSES[ac]=0;if(g<=ac){if(Q+g>ac){this.TOTAL_FUTURE_EXPENSES=this.TOTAL_FUTURE_EXPENSES+KJE.NPV_AMT(w,ac,KJE.FV_AMT(M,ac,12*v));this.DSD_EXPENSES[ac]=this.DSD_EXPENSES[ac]+KJE.FV_AMT(M,ac,12*v)}}if(U<=ac){if(G+U>ac){this.TOTAL_FUTURE_EXPENSES=this.TOTAL_FUTURE_EXPENSES+KJE.NPV_AMT(w,ac,KJE.FV_AMT(M,ac,12*F));this.DSD_EXPENSES[ac]=this.DSD_EXPENSES[ac]+KJE.FV_AMT(M,ac,12*F)}}if(aj<=ac){if(T+aj>ac){this.TOTAL_FUTURE_EXPENSES=this.TOTAL_FUTURE_EXPENSES+KJE.NPV_AMT(w,ac,KJE.FV_AMT(M,ac,12*Y));this.DSD_EXPENSES[ac]=this.DSD_EXPENSES[ac]+KJE.FV_AMT(M,ac,12*Y)}}if(e<=ac){if(S+e>ac){this.TOTAL_FUTURE_EXPENSES=this.TOTAL_FUTURE_EXPENSES+KJE.NPV_AMT(w,ac,KJE.FV_AMT(M,ac,12*ae));this.DSD_EXPENSES[ac]=this.DSD_EXPENSES[ac]+KJE.FV_AMT(M,ac,12*ae)}}if(Z<=ac){if(q+Z>ac){this.TOTAL_FUTURE_EXPENSES=this.TOTAL_FUTURE_EXPENSES+KJE.NPV_AMT(w,ac,KJE.FV_AMT(M,ac,12*f));this.DSD_EXPENSES[ac]=this.DSD_EXPENSES[ac]+KJE.FV_AMT(M,ac,12*f)}}if(j<=ac){if(O+j>ac){this.TOTAL_FUTURE_EXPENSES=this.TOTAL_FUTURE_EXPENSES+KJE.NPV_AMT(w,ac,KJE.FV_AMT(M,ac,12*ah));this.DSD_EXPENSES[ac]=this.DSD_EXPENSES[ac]+KJE.FV_AMT(M,ac,12*ah)}}this.DSD_EXPENSES[ac]=k.roundDollars(this.DSD_EXPENSES[ac]);this.TOTAL_EXPENSES+=this.DSD_EXPENSES[ac]}this.LIFE_INSURANCE_REQUIRED_TO_COVER_SHORTFALL=this.TOTAL_VALUE_OF_CURRENT_INCOME+this.TOTAL_ASSETS_TO_COVER_EXPENSES-this.TOTAL_EXPENSES_AT_DEATH-this.TOTAL_FUTURE_EXPENSES;if(this.LIFE_INSURANCE_REQUIRED_TO_COVER_SHORTFALL>0){this.LIFE_INSURANCE_REQUIRED_TO_COVER_SHORTFALL=0}else{this.LIFE_INSURANCE_REQUIRED_TO_COVER_SHORTFALL*=(-1)}ac=0;var r=p+this.TOTAL_ASSETS_TO_COVER_EXPENSES-this.TOTAL_EXPENSES_AT_DEATH;if(V){var K=this.sSchedule;K.clearRepeat();K.addHeader(K.sReportCol("<br /><br />Year",1),K.sReportCol("<br /><br />Expenses",2),K.sReportCol("<br /><br />Income",3),K.sReportCol("<br />Interest<br />Income",4),K.sReportCol("<br /><br />Difference",5),K.sReportCol("Savings Balance<br />Including Current<br />Insurance Proceeds",6));K.addRepeat("&nbsp;","&nbsp;","&nbsp;","&nbsp;","&nbsp;",k.dollars(r))}var X=1;if(this.ALTERNATE_FUTURE_INCOME){var a=p+this.TOTAL_ASSETS_TO_COVER_EXPENSES-this.TOTAL_EXPENSES_AT_DEATH;var d=0;for(X=1;X<=l;X++){ac=X-1;if(a<=0){break}a=a+this.DSD_INCOME[ac]-this.DSD_EXPENSES[ac];d+=k.round(a*w,0);a=k.round(a*(1+w),0)}this.INTEREST_INCOME=d;this.TOTAL_INCOME+=d}var C=this.TOTAL_ASSETS_TO_COVER_EXPENSES-this.TOTAL_EXPENSES_AT_DEATH;this.DSD_INS_INTEREST_TOTAL=0;var A=0;for(X=1;X<=l;X++){ac=X-1;r=r+this.DSD_INCOME[ac]-this.DSD_EXPENSES[ac];this.DSD_INS_INTEREST[ac]=k.round(r*w,0);this.DSD_INS_INTEREST_TOTAL+=this.DSD_INS_INTEREST[ac];r=r+this.DSD_INS_INTEREST[ac];this.DSD_INS_BALANCE[ac]=r;C=(C+this.DSD_INCOME[ac]-this.DSD_EXPENSES[ac])*(1+w);if(C<0){if(this.IMMEDIATE_NEED_YEARS==0){this.IMMEDIATE_NEED_YEARS=X}this.IMMEDIATE_NEED_INCREASE+=KJE.NPV_AMT(w,X,C*(-1));C=0}}this.TOTAL_VALUE_OF_INTEREST_INCOME=this.DSD_INS_INTEREST_TOTAL;this.IMMEDIATE_NEED_INCREASE=k.round(this.IMMEDIATE_NEED_INCREASE,0);this.LIFE_INSURANCE_REQUIRED_TO_COVER_SHORTFALL=k.round(this.LIFE_INSURANCE_REQUIRED_TO_COVER_SHORTFALL,0);this.WO_IMMEDIATE_NEED_AMOUNT=this.LIFE_INSURANCE_REQUIRED_TO_COVER_SHORTFALL;this.LIFE_INSURANCE_REQUIRED_TO_COVER_SHORTFALL=(this.LIFE_INSURANCE_REQUIRED_TO_COVER_SHORTFALL>this.IMMEDIATE_NEED_INCREASE?this.LIFE_INSURANCE_REQUIRED_TO_COVER_SHORTFALL:this.IMMEDIATE_NEED_INCREASE);this.IMMEDIATE_NEED_INCREASE=this.LIFE_INSURANCE_REQUIRED_TO_COVER_SHORTFALL-this.WO_IMMEDIATE_NEED_AMOUNT;if(this.IMMEDIATE_NEED_INCREASE<100){this.IMMEDIATE_NEED_INCREASE=0}this.NEW_INSURANCE_NEEDED=this.LIFE_INSURANCE_REQUIRED_TO_COVER_SHORTFALL-p;this.GRAPH_MIN=0;for(X=1;X<=l;X++){ac=X-1;this.cats[ac]=""+X;this.GRAPH_MIN=(this.GRAPH_MIN>this.DSD_INS_BALANCE[ac]?this.DSD_INS_BALANCE[ac]:this.GRAPH_MIN);if(V){K.addRepeat(X,k.dollars(this.DSD_EXPENSES[ac]),k.dollars(this.DSD_INCOME[ac]),k.dollars(this.DSD_INS_INTEREST[ac]),k.dollars(this.DSD_INCOME[ac]-this.DSD_EXPENSES[ac]+this.DSD_INS_INTEREST[ac]),k.dollars(this.DSD_INS_BALANCE[ac]))}}this.AFTERTAX_RATE=w};KJE.LifeInsuranceCalc.prototype.formatReport=function(a){if(this.IMMEDIATE_NEED_INCREASE>0){a.replace("IMMEDIATE_NEED_MSG",this.IMMEDIATE_NEED_MSG)}else{a.replace("IMMEDIATE_NEED_MSG","")}a.dollars("IMMEDIATE_NEED_INCREASE",this.IMMEDIATE_NEED_INCREASE);a.dollars("WO_IMMEDIATE_NEED_AMOUNT",this.WO_IMMEDIATE_NEED_AMOUNT);a.year("IMMEDIATE_NEED_YEARS",this.IMMEDIATE_NEED_YEARS);a.year("YEARS_UNTIL_START_SPOUSE_INCOME_FROM_WORK",this.YEARS_UNTIL_START_SPOUSE_INCOME_FROM_WORK);a.year("YEARS_UNTIL_START_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE",this.YEARS_UNTIL_START_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE);a.year("YEARS_UNTIL_START_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME",this.YEARS_UNTIL_START_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME);a.year("YEARS_UNTIL_START_RETRAINING_AND_EDUCATION_FOR_SPOUSE",this.YEARS_UNTIL_START_RETRAINING_AND_EDUCATION_FOR_SPOUSE);a.year("YEARS_UNTIL_START_OTHER_INCOME",this.YEARS_UNTIL_START_OTHER_INCOME);a.year("YEARS_UNTIL_START_OTHER_EXPENSES",this.YEARS_UNTIL_START_OTHER_EXPENSES);a.year("YEARS_UNTIL_START_LIVING_EXPENSES_WITH_CHILDREN_GONE",this.YEARS_UNTIL_START_LIVING_EXPENSES_WITH_CHILDREN_GONE);a.year("YEARS_UNTIL_START_LIVING_EXPENSES_WITH_CHILDREN_AT_HOME_",this.YEARS_UNTIL_START_LIVING_EXPENSES_WITH_CHILDREN_AT_HOME_);a.year("YEARS_UNTIL_START_CHILDRENS_COLLEGE_EXPENSES",this.YEARS_UNTIL_START_CHILDRENS_COLLEGE_EXPENSES);a.year("YEARS_UNTIL_START_CHILD_CARE_EXPENSES",this.YEARS_UNTIL_START_CHILD_CARE_EXPENSES);a.dollars("UNINSURED_MEDICAL_COSTS",this.UNINSURED_MEDICAL_COSTS);a.dollars("TOTAL_VALUE_OF_CURRENT_INCOME",this.TOTAL_INCOME);a.dollars("TOTAL_FUTURE_EXPENSES",this.TOTAL_EXPENSES);a.dollars("TOTAL_EXPENSES_AT_DEATH",this.TOTAL_EXPENSES_AT_DEATH);a.dollars("TOTAL_ASSETS_TO_COVER_EXPENSES",this.TOTAL_ASSETS_TO_COVER_EXPENSES);a.number("DURATION_SPOUSE_INCOME_FROM_WORK",this.DURATION_SPOUSE_INCOME_FROM_WORK);a.number("DURATION_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE",this.DURATION_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE);a.number("DURATION_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME",this.DURATION_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME);a.number("DURATION_RETRAINING_AND_EDUCATION_FOR_SPOUSE",this.DURATION_RETRAINING_AND_EDUCATION_FOR_SPOUSE);a.number("DURATION_OTHER_INCOME",this.DURATION_OTHER_INCOME);a.number("DURATION_OTHER_EXPENSES",this.DURATION_OTHER_EXPENSES);a.number("DURATION_LIVING_EXPENSES_WITH_CHILDREN_GONE",this.DURATION_LIVING_EXPENSES_WITH_CHILDREN_GONE);a.number("DURATION_LIVING_EXPENSES_WITH_CHILDREN_AT_HOME_",this.DURATION_LIVING_EXPENSES_WITH_CHILDREN_AT_HOME_);a.number("DURATION_CHILDRENS_COLLEGE_EXPENSES",this.DURATION_CHILDRENS_COLLEGE_EXPENSES);a.number("DURATION_CHILD_CARE_EXPENSES",this.DURATION_CHILD_CARE_EXPENSES);a.dollars("SPOUSE_INCOME_FROM_WORK",this.SPOUSE_INCOME_FROM_WORK);a.dollars("SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE",this.SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE);a.dollars("SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME",this.SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME);a.dollars("RETRAINING_AND_EDUCATION_FOR_SPOUSE",this.RETRAINING_AND_EDUCATION_FOR_SPOUSE);a.returnRate("RATE_EARNED_ON_SAVINGS_AND_INVESTMENTS",this.RATE_EARNED_ON_SAVINGS_AND_INVESTMENTS/100);a.dollars("PROBATE_COSTS",this.PROBATE_COSTS);a.dollars("OTHER_INCOME",this.OTHER_INCOME);a.dollars("OTHER_EXPENSES",this.OTHER_EXPENSES);a.dollars("OTHER_ATDEATH_EXPENSES",this.OTHER_ATDEATH_EXPENSES);a.dollars("OTHER_EXPENSES",this.OTHER_EXPENSES);a.year("NUMBER_OF_YEARS_YOU_WISH_INSURANCE_TO_COVER",this.NUMBER_OF_YEARS_YOU_WISH_INSURANCE_TO_COVER);a.dollars("LIVING_EXPENSES_WITH_CHILDREN_GONE",this.LIVING_EXPENSES_WITH_CHILDREN_GONE);a.dollars("LIVING_EXPENSES_WITH_CHILDREN_AT_HOME",this.LIVING_EXPENSES_WITH_CHILDREN_AT_HOME);a.dollars("LIFE_INSURANCE_REQUIRED_TO_COVER_SHORTFALL",this.LIFE_INSURANCE_REQUIRED_TO_COVER_SHORTFALL);a.dollars("INVESTMENTS",this.INVESTMENTS);a.inflationRate("INFLATION_RATE",this.INFLATION_RATE/100);a.dollars("HOME_EQUITY",this.HOME_EQUITY);a.dollars("FUNERAL_COSTS",this.FUNERAL_COSTS);a.dollars("ESTATE_OR_INHERITANCE_TAXES_ON_ASSETS",this.ESTATE_OR_INHERITANCE_TAXES_ON_ASSETS);a.dollars("DEBT_REPAYMENT",this.DEBT_REPAYMENT);a.taxRate("COMBINED_FEDERAL_AND_STATE_TAX_RATE",this.COMBINED_FEDERAL_AND_STATE_TAX_RATE/100);a.dollars("COLLEGE_FUND_FOR_CHILD_1",this.COLLEGE_FUND_FOR_CHILD_1);a.dollars("COLLEGE_FUND_CHILD_3",this.COLLEGE_FUND_CHILD_3);a.dollars("COLLEGE_FUND_CHILD_2",this.COLLEGE_FUND_CHILD_2);a.dollars("CHILDRENS_COLLEGE_EXPENSES",this.CHILDRENS_COLLEGE_EXPENSES);a.dollars("CHILD_CARE_EXPENSES",this.CHILD_CARE_EXPENSES);a.dollars("CASH_AND_SAVINGS",this.CASH_AND_SAVINGS);a.yesno("CHECK_BOX",this.CHECK_BOX);a.dollars("CASH_AND_SAVINGS",this.INTEREST_INCOME);a.dollars("TOTAL_VALUE_OF_INTEREST_INCOME",this.DSD_INS_INTEREST_TOTAL);a.dollars("OTHER",this.OTHER);a.taxRate("AFTERTAX_RATE",this.AFTERTAX_RATE);if(this.NEW_INSURANCE_NEEDED<0){a.dollars("NEW_INSURANCE_NEEDED",(this.bFrance?this.MSG_LESS+" ":"")+this.NEW_INSURANCE_NEEDED*-1)}else{a.dollars("NEW_INSURANCE_NEEDED",(this.bFrance?this.MSG_MORE+" ":"")+this.NEW_INSURANCE_NEEDED)}a.dollars("CURRENT_INSURANCE",this.CURRENT_INSURANCE);a.replace("**REPEATING GROUP**",this.sSchedule.getRepeat())};KJE.CalcName="Life Insurance Calculator";KJE.CalcType="lifeinsurance";KJE.CalculatorTitleTemplate="KJE1";KJE.ReportGraphCount=1;KJE.parseInputs=function(a){a=KJE.replace("**MSG_INCOME_HEADER**",KJE.parameters.get("MSG_INCOME_HEADER","All income is monthly, after taxes:"),a);a=KJE.replace("**MSG_LIVING_HEADER**",KJE.parameters.get("MSG_LIVING_HEADER","All expenses are monthly:"),a);return a};KJE.initialize=function(){KJE.CalcControl=new KJE.LifeInsuranceCalc();KJE.GuiControl=new KJE.LifeInsurance(KJE.CalcControl)};KJE.LifeInsurance=function(k){var f=KJE;var b=KJE.gLegend;var h=KJE.inputs.items;this.MSG_GRAPH1=KJE.parameters.get("MSG_GRAPH1","Saving balance");this.MSG_GRAPH2=KJE.parameters.get("MSG_GRAPH2","Expenses");this.MSG_GRAPH3=KJE.parameters.get("MSG_GRAPH3","Income");this.MSG_GRAPH4=KJE.parameters.get("MSG_GRAPH4","You may require KJE1 less life insurance.");this.MSG_GRAPH6=KJE.parameters.get("MSG_GRAPH6","You may require KJE1 more life insurance.");KJE.Checkbox("CHECK_BOX","Graph savings balance",false,"Check here to show savings balance on graph");KJE.DollarSlider("CURRENT_INSURANCE","Current life insurance coverage",0,10000000);KJE.DollarSlider("CASH_AND_SAVINGS","Cash and savings",0,10000000);KJE.DollarSlider("HOME_EQUITY","Home equity",0,10000000);KJE.DollarSlider("INVESTMENTS","Investments",0,10000000);KJE.DollarSlider("OTHER","Other",0,10000000);KJE.DollarSlider("ESTATE_OR_INHERITANCE_TAXES_ON_ASSETS","Taxes on assets",0,10000000);KJE.DollarSlider("PROBATE_COSTS","Probate costs",0,100000);KJE.DollarSlider("FUNERAL_COSTS","Funeral costs",0,100000);KJE.DollarSlider("UNINSURED_MEDICAL_COSTS","Uninsured medical costs",0,1000000);KJE.DollarSlider("DEBT_REPAYMENT","Debt repayment",0,1000000);KJE.DollarSlider("COLLEGE_FUND_FOR_CHILD_1",(k.INTERNATIONAL=(k.NATIONALITY_US)?"College":"Education")+" fund for child 1",0,500000);KJE.DollarSlider("COLLEGE_FUND_CHILD_2",(k.INTERNATIONAL=(k.NATIONALITY_US)?"College":"Education")+" fund child 2",0,500000);KJE.DollarSlider("COLLEGE_FUND_CHILD_3",(k.INTERNATIONAL=(k.NATIONALITY_US)?"College":"Education")+" fund child 3",0,500000);KJE.DollarSlider("SPOUSE_INCOME_FROM_WORK","Spouse income from work",0,100000,0,0,0,"bold");KJE.NumberSlider("YEARS_UNTIL_START_SPOUSE_INCOME_FROM_WORK","Year to start",0,50,0);KJE.NumberSlider("DURATION_SPOUSE_INCOME_FROM_WORK","Duration",0,50,0);if(k.INTERNATIONAL=(k.NATIONALITY_US)){KJE.DollarSlider("SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME","Social Security child benefits",0,10000,0,0,0,"bold");KJE.DollarSlider("SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE","Social Security survivor benefits",0,10000,0,0,0,"bold");KJE.NumberSlider("YEARS_UNTIL_START_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME","Year to start",0,50,0);KJE.NumberSlider("YEARS_UNTIL_START_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE","Year to start",0,50,0);KJE.NumberSlider("DURATION_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME","Duration",0,50,0);KJE.NumberSlider("DURATION_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE","Duration",0,50,0)}KJE.PercentSlider("COMBINED_FEDERAL_AND_STATE_TAX_RATE","Income tax rate",0,75,1);if(k.AFTER_TAX){h.COMBINED_FEDERAL_AND_STATE_TAX_RATE.setValue(0);h.COMBINED_FEDERAL_AND_STATE_TAX_RATE.hide()}KJE.DollarSlider("OTHER_INCOME","Other Income",0,20000,0,0,0,"bold");KJE.NumberSlider("YEARS_UNTIL_START_OTHER_INCOME","Year to start",0,50,0);KJE.NumberSlider("DURATION_OTHER_INCOME","Duration",0,50,0);KJE.DollarSlider("CHILD_CARE_EXPENSES","Child care expenses",0,10000,0,0,0,"bold");KJE.NumberSlider("YEARS_UNTIL_START_CHILD_CARE_EXPENSES","Year to start",0,50,0);KJE.NumberSlider("DURATION_CHILD_CARE_EXPENSES","Duration",0,50,0);KJE.DollarSlider("LIVING_EXPENSES_WITH_CHILDREN_AT_HOME","Living expenses with children",0,100000,0,0,0,"bold");KJE.NumberSlider("YEARS_UNTIL_START_LIVING_EXPENSES_WITH_CHILDREN_AT_HOME_","Year to start",0,50,0);KJE.NumberSlider("DURATION_LIVING_EXPENSES_WITH_CHILDREN_AT_HOME_","Duration",0,50,0);KJE.DollarSlider("LIVING_EXPENSES_WITH_CHILDREN_GONE","Living expenses without children",0,100000,0,0,0,"bold");KJE.NumberSlider("YEARS_UNTIL_START_LIVING_EXPENSES_WITH_CHILDREN_GONE","Year to start",0,50,0);KJE.NumberSlider("DURATION_LIVING_EXPENSES_WITH_CHILDREN_GONE","Duration",0,50,0);KJE.DollarSlider("CHILDRENS_COLLEGE_EXPENSES","Children's education expenses",0,10000,0,0,0,"bold");KJE.NumberSlider("YEARS_UNTIL_START_CHILDRENS_COLLEGE_EXPENSES","Year to start",0,50,0);KJE.NumberSlider("DURATION_CHILDRENS_COLLEGE_EXPENSES","Duration",0,50,0);KJE.DollarSlider("RETRAINING_AND_EDUCATION_FOR_SPOUSE","Retraining and education",0,10000,0,0,0,"bold");KJE.NumberSlider("YEARS_UNTIL_START_RETRAINING_AND_EDUCATION_FOR_SPOUSE","Year to start",0,50,0);KJE.NumberSlider("DURATION_RETRAINING_AND_EDUCATION_FOR_SPOUSE","Duration",0,50,0);KJE.DollarSlider("OTHER_EXPENSES","Other expenses",0,10000,0,0,0,"bold");KJE.DollarSlider("OTHER_ATDEATH_EXPENSES","Other expenses",0,1000000);KJE.NumberSlider("YEARS_UNTIL_START_OTHER_EXPENSES","Year to start",0,50,0);KJE.NumberSlider("DURATION_OTHER_EXPENSES","Duration",0,50,0);KJE.NumberSlider("NUMBER_OF_YEARS_YOU_WISH_INSURANCE_TO_COVER","Years insurance must last",1,50,0);KJE.InflationRateSlider("INFLATION_RATE","Inflation rate");KJE.InvestRateSlider("RATE_EARNED_ON_SAVINGS_AND_INVESTMENTS","Return on investments"+(k.AFTER_TAX?" (after-tax)":""));var i=KJE.gNewGraph(KJE.gLINE,"GRAPH1",true,false,KJE.colorList[1],KJE.parameters.get("MSG_GRAPH_TITLE","Yearly Expenses and Income Adjusted for Inflation"));i._titleYAxis.setText(KJE.sCurrency);i._legend._iOrientation=(b.TOP_RIGHT);i._titleXAxis.setText(KJE.parameters.get("MSG_LBL_YEAR","Year"));i._axisY._bAutoMinimum=false;var a=KJE.parameters.get("MSG_DROPPER_TITLE","Life insurance inputs: ");var c=KJE.parameters.get("MSG_TITLE_ASSETS","Total assets to cover expenses:");var g=KJE.parameters.get("MSG_TITLE_EXPENSES","Total expenses at death:");var j=KJE.parameters.get("MSG_TITLE_INCOME","Total value of current income:");var p=KJE.parameters.get("MSG_TITLE_LIVING","Total future expenses:");var e=KJE.parameters.get("MSG_DROPPER_CLOSE","KJE1");KJE.addDropper(new KJE.Dropper("INPUTS",true,a,a),KJE.colorList[0]);var o=function(){return c+"|"+KJE.subText(KJE.getKJEReplaced(e,f.dollars(k.TOTAL_ASSETS_TO_COVER_EXPENSES)),"KJERightBold")};KJE.addDropper(new KJE.Dropper("ASSETS",false,o,o),KJE.colorList[0]);var m=function(){return g+"|"+KJE.subText(KJE.getKJEReplaced(e,f.dollars(k.TOTAL_EXPENSES_AT_DEATH)),"KJERightBold")};KJE.addDropper(new KJE.Dropper("EXPENSES",false,m,m),KJE.colorList[0]);var d=function(){return j+"|"+KJE.subText(KJE.getKJEReplaced(e,f.dollars(k.TOTAL_INCOME)),"KJERightBold")};KJE.addDropper(new KJE.Dropper("INCOME",false,d,d),KJE.colorList[0]);var n=function(){return p+"|"+KJE.subText(KJE.getKJEReplaced(e,f.dollars(k.TOTAL_EXPENSES)),"KJERightBold")};KJE.addDropper(new KJE.Dropper("LIVING",false,n,n),KJE.colorList[0])};KJE.LifeInsurance.prototype.setValues=function(b){var a=KJE.inputs.items;b.CHECK_BOX=a.CHECK_BOX.getValue();b.CURRENT_INSURANCE=a.CURRENT_INSURANCE.getValue();b.CASH_AND_SAVINGS=a.CASH_AND_SAVINGS.getValue();b.INVESTMENTS=a.INVESTMENTS.getValue();b.ESTATE_OR_INHERITANCE_TAXES_ON_ASSETS=a.ESTATE_OR_INHERITANCE_TAXES_ON_ASSETS.getValue();b.PROBATE_COSTS=a.PROBATE_COSTS.getValue();b.FUNERAL_COSTS=a.FUNERAL_COSTS.getValue();b.UNINSURED_MEDICAL_COSTS=a.UNINSURED_MEDICAL_COSTS.getValue();b.DEBT_REPAYMENT=a.DEBT_REPAYMENT.getValue();b.SPOUSE_INCOME_FROM_WORK=a.SPOUSE_INCOME_FROM_WORK.getValue();b.YEARS_UNTIL_START_SPOUSE_INCOME_FROM_WORK=a.YEARS_UNTIL_START_SPOUSE_INCOME_FROM_WORK.getValue();b.DURATION_SPOUSE_INCOME_FROM_WORK=a.DURATION_SPOUSE_INCOME_FROM_WORK.getValue();if(b.INTERNATIONAL=(b.NATIONALITY_US)){b.SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME=a.SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME.getValue();b.YEARS_UNTIL_START_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME=a.YEARS_UNTIL_START_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME.getValue();b.DURATION_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME=a.DURATION_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME.getValue();b.SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE=a.SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE.getValue();b.YEARS_UNTIL_START_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE=a.YEARS_UNTIL_START_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE.getValue();b.DURATION_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE=a.DURATION_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE.getValue()}if(b.INTERNATIONAL!=(b.NATIONALITY_CANADA)){b.COLLEGE_FUND_FOR_CHILD_1=a.COLLEGE_FUND_FOR_CHILD_1.getValue();b.COLLEGE_FUND_CHILD_2=a.COLLEGE_FUND_CHILD_2.getValue();b.COLLEGE_FUND_CHILD_3=a.COLLEGE_FUND_CHILD_3.getValue();b.OTHER=a.OTHER.getValue();b.HOME_EQUITY=a.HOME_EQUITY.getValue()}if(!b.AFTER_TAX){b.COMBINED_FEDERAL_AND_STATE_TAX_RATE=a.COMBINED_FEDERAL_AND_STATE_TAX_RATE.getValue()}b.OTHER_INCOME=a.OTHER_INCOME.getValue();b.YEARS_UNTIL_START_OTHER_INCOME=a.YEARS_UNTIL_START_OTHER_INCOME.getValue();b.DURATION_OTHER_INCOME=a.DURATION_OTHER_INCOME.getValue();b.CHILD_CARE_EXPENSES=a.CHILD_CARE_EXPENSES.getValue();b.YEARS_UNTIL_START_CHILD_CARE_EXPENSES=a.YEARS_UNTIL_START_CHILD_CARE_EXPENSES.getValue();b.DURATION_CHILD_CARE_EXPENSES=a.DURATION_CHILD_CARE_EXPENSES.getValue();b.LIVING_EXPENSES_WITH_CHILDREN_AT_HOME=a.LIVING_EXPENSES_WITH_CHILDREN_AT_HOME.getValue();b.YEARS_UNTIL_START_LIVING_EXPENSES_WITH_CHILDREN_AT_HOME_=a.YEARS_UNTIL_START_LIVING_EXPENSES_WITH_CHILDREN_AT_HOME_.getValue();b.DURATION_LIVING_EXPENSES_WITH_CHILDREN_AT_HOME_=a.DURATION_LIVING_EXPENSES_WITH_CHILDREN_AT_HOME_.getValue();b.LIVING_EXPENSES_WITH_CHILDREN_GONE=a.LIVING_EXPENSES_WITH_CHILDREN_GONE.getValue();b.YEARS_UNTIL_START_LIVING_EXPENSES_WITH_CHILDREN_GONE=a.YEARS_UNTIL_START_LIVING_EXPENSES_WITH_CHILDREN_GONE.getValue();b.DURATION_LIVING_EXPENSES_WITH_CHILDREN_GONE=a.DURATION_LIVING_EXPENSES_WITH_CHILDREN_GONE.getValue();b.CHILDRENS_COLLEGE_EXPENSES=a.CHILDRENS_COLLEGE_EXPENSES.getValue();b.YEARS_UNTIL_START_CHILDRENS_COLLEGE_EXPENSES=a.YEARS_UNTIL_START_CHILDRENS_COLLEGE_EXPENSES.getValue();b.DURATION_CHILDRENS_COLLEGE_EXPENSES=a.DURATION_CHILDRENS_COLLEGE_EXPENSES.getValue();b.RETRAINING_AND_EDUCATION_FOR_SPOUSE=a.RETRAINING_AND_EDUCATION_FOR_SPOUSE.getValue();b.YEARS_UNTIL_START_RETRAINING_AND_EDUCATION_FOR_SPOUSE=a.YEARS_UNTIL_START_RETRAINING_AND_EDUCATION_FOR_SPOUSE.getValue();b.DURATION_RETRAINING_AND_EDUCATION_FOR_SPOUSE=a.DURATION_RETRAINING_AND_EDUCATION_FOR_SPOUSE.getValue();b.OTHER_EXPENSES=a.OTHER_EXPENSES.getValue();b.OTHER_ATDEATH_EXPENSES=a.OTHER_ATDEATH_EXPENSES.getValue();b.YEARS_UNTIL_START_OTHER_EXPENSES=a.YEARS_UNTIL_START_OTHER_EXPENSES.getValue();b.DURATION_OTHER_EXPENSES=a.DURATION_OTHER_EXPENSES.getValue();b.NUMBER_OF_YEARS_YOU_WISH_INSURANCE_TO_COVER=a.NUMBER_OF_YEARS_YOU_WISH_INSURANCE_TO_COVER.getValue();b.INFLATION_RATE=a.INFLATION_RATE.getValue();b.RATE_EARNED_ON_SAVINGS_AND_INVESTMENTS=a.RATE_EARNED_ON_SAVINGS_AND_INVESTMENTS.getValue()};KJE.LifeInsurance.prototype.refresh=function(e){var d=KJE;var c=KJE.gLegend;var b=KJE.inputs.items;var a=KJE.gGraphs[0];KJE.setTitleTemplate(d.dollars(e.NEW_INSURANCE_NEEDED*-1));a.removeAll();a.setGraphCategories(e.cats);if(b.CHECK_BOX.getValue()){a.add(new KJE.gGraphDataSeries(e.DSD_INS_BALANCE,this.MSG_GRAPH1,a.getColor(3)))}a.add(new KJE.gGraphDataSeries(e.DSD_EXPENSES,this.MSG_GRAPH2,a.getColor(1)));a.add(new KJE.gGraphDataSeries(e.DSD_INCOME,this.MSG_GRAPH3,a.getColor(2)));a._axisY._axisMinimum=(b.CHECK_BOX.getValue()?e.GRAPH_MIN:0);if(e.NEW_INSURANCE_NEEDED<0){KJE.setTitleTemplate(KJE.replace("KJE1",d.dollars(e.NEW_INSURANCE_NEEDED*-1),this.MSG_GRAPH4))}else{KJE.setTitleTemplate(KJE.replace("KJE1",d.dollars(e.NEW_INSURANCE_NEEDED),this.MSG_GRAPH6))}a.paint()};KJE.InputScreenText=" <div id=KJE-D-INPUTS><div id=KJE-P-INPUTS>Input information:</div></div> <div id=KJE-E-INPUTS > <div id='KJE-C-CURRENT_INSURANCE'><input id='KJE-CURRENT_INSURANCE' /></div> <div id='KJE-C-NUMBER_OF_YEARS_YOU_WISH_INSURANCE_TO_COVER'><input id='KJE-NUMBER_OF_YEARS_YOU_WISH_INSURANCE_TO_COVER' /></div> <div id='KJE-C-INFLATION_RATE'><input id='KJE-INFLATION_RATE' /></div> <div id='KJE-C-RATE_EARNED_ON_SAVINGS_AND_INVESTMENTS'><input id='KJE-RATE_EARNED_ON_SAVINGS_AND_INVESTMENTS' /></div> <div id='KJE-C-COMBINED_FEDERAL_AND_STATE_TAX_RATE'><input id='KJE-COMBINED_FEDERAL_AND_STATE_TAX_RATE' /></div> <div id='KJE-C-CHECK_BOX'><input id='KJE-CHECK_BOX' type=checkbox /></div> <div class=KJEDropperSpacer></div> </div> <div id=KJE-D-ASSETS><div id=KJE-P-ASSETS>Input information:</div></div> <div id=KJE-E-ASSETS > <div id='KJE-C-CASH_AND_SAVINGS'><input id='KJE-CASH_AND_SAVINGS' /></div> <div id='KJE-C-HOME_EQUITY'><input id='KJE-HOME_EQUITY' /></div> <div id='KJE-C-INVESTMENTS'><input id='KJE-INVESTMENTS' /></div> <div id='KJE-C-OTHER'><input id='KJE-OTHER' /></div> <div class=KJEDropperSpacer></div> </div> <div id=KJE-D-EXPENSES><div id=KJE-P-EXPENSES>Input information:</div></div> <div id=KJE-E-EXPENSES > <div id='KJE-C-ESTATE_OR_INHERITANCE_TAXES_ON_ASSETS'><input id='KJE-ESTATE_OR_INHERITANCE_TAXES_ON_ASSETS' /></div> <div id='KJE-C-PROBATE_COSTS'><input id='KJE-PROBATE_COSTS' /></div> <div id='KJE-C-FUNERAL_COSTS'><input id='KJE-FUNERAL_COSTS' /></div> <div id='KJE-C-UNINSURED_MEDICAL_COSTS'><input id='KJE-UNINSURED_MEDICAL_COSTS' /></div> <div id='KJE-C-DEBT_REPAYMENT'><input id='KJE-DEBT_REPAYMENT' /></div> <div id='KJE-C-COLLEGE_FUND_FOR_CHILD_1'><input id='KJE-COLLEGE_FUND_FOR_CHILD_1' /></div> <div id='KJE-C-COLLEGE_FUND_CHILD_2'><input id='KJE-COLLEGE_FUND_CHILD_2' /></div> <div id='KJE-C-COLLEGE_FUND_CHILD_3'><input id='KJE-COLLEGE_FUND_CHILD_3' /></div> <div id='KJE-C-OTHER_ATDEATH_EXPENSES'><input id='KJE-OTHER_ATDEATH_EXPENSES' /></div> <div class=KJEDropperSpacer></div> </div> <div id=KJE-D-INCOME><div id=KJE-P-INCOME>Input information:</div></div> <div id=KJE-E-INCOME > <div class=KJEBoldCenter>**MSG_INCOME_HEADER**</div> <hr class=KJEDivide /> <fieldset class='KJEAccessibleFieldSet'><legend class='KJEAccessibleFieldSetLegend'>Social Security Children at Home</legend> <div id='KJE-C-SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME'><input id='KJE-SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME' /></div> <div id='KJE-C-YEARS_UNTIL_START_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME'><input id='KJE-YEARS_UNTIL_START_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME' /></div> <div id='KJE-C-DURATION_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME'><input id='KJE-DURATION_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME' /></div> </fieldset><hr class=KJEDivide /> <fieldset class='KJEAccessibleFieldSet'><legend class='KJEAccessibleFieldSetLegend'>Social Security Children Out of House</legend> <div id='KJE-C-SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE'><input id='KJE-SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE' /></div> <div id='KJE-C-YEARS_UNTIL_START_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE'><input id='KJE-YEARS_UNTIL_START_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE' /></div> <div id='KJE-C-DURATION_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE'><input id='KJE-DURATION_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE' /></div> </fieldset><hr class=KJEDivide /> <fieldset class='KJEAccessibleFieldSet'><legend class='KJEAccessibleFieldSetLegend'>Spouse work income</legend> <div id='KJE-C-SPOUSE_INCOME_FROM_WORK'><input id='KJE-SPOUSE_INCOME_FROM_WORK' /></div> <div id='KJE-C-YEARS_UNTIL_START_SPOUSE_INCOME_FROM_WORK'><input id='KJE-YEARS_UNTIL_START_SPOUSE_INCOME_FROM_WORK' /></div> <div id='KJE-C-DURATION_SPOUSE_INCOME_FROM_WORK'><input id='KJE-DURATION_SPOUSE_INCOME_FROM_WORK' /></div> </fieldset><hr class=KJEDivide /> <fieldset class='KJEAccessibleFieldSet'><legend class='KJEAccessibleFieldSetLegend'>Other income</legend> <div id='KJE-C-OTHER_INCOME'><input id='KJE-OTHER_INCOME' /></div> <div id='KJE-C-YEARS_UNTIL_START_OTHER_INCOME'><input id='KJE-YEARS_UNTIL_START_OTHER_INCOME' /></div> <div id='KJE-C-DURATION_OTHER_INCOME'><input id='KJE-DURATION_OTHER_INCOME' /></div> </fieldset><div class=KJEDropperSpacer></div> </div> <div id=KJE-D-LIVING><div id=KJE-P-LIVING>Input information:</div></div> <div id=KJE-E-LIVING > <div class=KJEBoldCenter>**MSG_LIVING_HEADER**</div> <hr class=KJEDivide /> <fieldset class='KJEAccessibleFieldSet'><legend class='KJEAccessibleFieldSetLegend'>Childcare</legend> <div id='KJE-C-CHILD_CARE_EXPENSES'><input id='KJE-CHILD_CARE_EXPENSES' /></div> <div id='KJE-C-YEARS_UNTIL_START_CHILD_CARE_EXPENSES'><input id='KJE-YEARS_UNTIL_START_CHILD_CARE_EXPENSES' /></div> <div id='KJE-C-DURATION_CHILD_CARE_EXPENSES'><input id='KJE-DURATION_CHILD_CARE_EXPENSES' /></div> </fieldset><hr class=KJEDivide /> <fieldset class='KJEAccessibleFieldSet'><legend class='KJEAccessibleFieldSetLegend'>College</legend> <div id='KJE-C-CHILDRENS_COLLEGE_EXPENSES'><input id='KJE-CHILDRENS_COLLEGE_EXPENSES' /></div> <div id='KJE-C-YEARS_UNTIL_START_CHILDRENS_COLLEGE_EXPENSES'><input id='KJE-YEARS_UNTIL_START_CHILDRENS_COLLEGE_EXPENSES' /></div> <div id='KJE-C-DURATION_CHILDRENS_COLLEGE_EXPENSES'><input id='KJE-DURATION_CHILDRENS_COLLEGE_EXPENSES' /></div> </fieldset><hr class=KJEDivide /> <fieldset class='KJEAccessibleFieldSet'><legend class='KJEAccessibleFieldSetLegend'>Living with children</legend> <div id='KJE-C-LIVING_EXPENSES_WITH_CHILDREN_AT_HOME'><input id='KJE-LIVING_EXPENSES_WITH_CHILDREN_AT_HOME' /></div> <div id='KJE-C-YEARS_UNTIL_START_LIVING_EXPENSES_WITH_CHILDREN_AT_HOME_'><input id='KJE-YEARS_UNTIL_START_LIVING_EXPENSES_WITH_CHILDREN_AT_HOME_' /></div> <div id='KJE-C-DURATION_LIVING_EXPENSES_WITH_CHILDREN_AT_HOME_'><input id='KJE-DURATION_LIVING_EXPENSES_WITH_CHILDREN_AT_HOME_' /></div> </fieldset><hr class=KJEDivide /> <fieldset class='KJEAccessibleFieldSet'><legend class='KJEAccessibleFieldSetLegend'>Living without children</legend> <div id='KJE-C-LIVING_EXPENSES_WITH_CHILDREN_GONE'><input id='KJE-LIVING_EXPENSES_WITH_CHILDREN_GONE' /></div> <div id='KJE-C-YEARS_UNTIL_START_LIVING_EXPENSES_WITH_CHILDREN_GONE'><input id='KJE-YEARS_UNTIL_START_LIVING_EXPENSES_WITH_CHILDREN_GONE' /></div> <div id='KJE-C-DURATION_LIVING_EXPENSES_WITH_CHILDREN_GONE'><input id='KJE-DURATION_LIVING_EXPENSES_WITH_CHILDREN_GONE' /></div> </fieldset><hr class=KJEDivide /> <fieldset class='KJEAccessibleFieldSet'><legend class='KJEAccessibleFieldSetLegend'>Retraining</legend> <div id='KJE-C-RETRAINING_AND_EDUCATION_FOR_SPOUSE'><input id='KJE-RETRAINING_AND_EDUCATION_FOR_SPOUSE' /></div> <div id='KJE-C-YEARS_UNTIL_START_RETRAINING_AND_EDUCATION_FOR_SPOUSE'><input id='KJE-YEARS_UNTIL_START_RETRAINING_AND_EDUCATION_FOR_SPOUSE' /></div> <div id='KJE-C-DURATION_RETRAINING_AND_EDUCATION_FOR_SPOUSE'><input id='KJE-DURATION_RETRAINING_AND_EDUCATION_FOR_SPOUSE' /></div> </fieldset><hr class=KJEDivide /> <fieldset class='KJEAccessibleFieldSet'><legend class='KJEAccessibleFieldSetLegend'>Other expenses</legend> <div id='KJE-C-OTHER_EXPENSES'><input id='KJE-OTHER_EXPENSES' /></div> <div id='KJE-C-YEARS_UNTIL_START_OTHER_EXPENSES'><input id='KJE-YEARS_UNTIL_START_OTHER_EXPENSES' /></div> <div id='KJE-C-DURATION_OTHER_EXPENSES'><input id='KJE-DURATION_OTHER_EXPENSES' /></div> </fieldset><div class=KJEDropperSpacer></div> </div> **GRAPH1** ";KJE.DefinitionText=" <div id='KJE-D-CURRENT_INSURANCE' ><dt>Current life insurance coverage</dt><dd>Total amount of life insurance coverage you currently have for yourself.</dd></div> <div id='KJE-D-NUMBER_OF_YEARS_YOU_WISH_INSURANCE_TO_COVER' ><dt>Years insurance must last</dt><dd>Number of years your spouse will need to use your insurance proceeds to provide for living expenses and income.</dd></div> <div id='KJE-D-INFLATION_RATE' ><dt>Inflation rate</dt><dd>**INFLATION_DEFINITION** Your total expenses are increased by this rate for each year you require income. The income you would receive from your life insurance policy is used to cover any shortfalls between your expected income from all sources and your expenses.</dd></div> <div id='KJE-D-RATE_EARNED_ON_SAVINGS_AND_INVESTMENTS' ><dt>Return on investments</dt><dd>The annual rate of return for your investments. **ROR_DEFINITION**<p>Insurance products may additionally include mortality, expense risk charges, cost of insurance, administrative, and surrender charges that will have a significant impact on the total rate of return for the investment. <p> <!--STARTHIDETAXES--></dd></div> <div id='KJE-D-COMBINED_FEDERAL_AND_STATE_TAX_RATE' ><dt>Income tax</dt><dd>This is your income tax rate. Changing this rate only affects your interest income from your investments. All other income and expenses should be entered on an after-tax basis.<p> <!--ENDHIDETAXES--></dd></div> <div id='KJE-D-CASH_AND_SAVINGS' ><dt>Cash and savings</dt><dd>Total you have in cash, checking accounts, savings accounts or other accounts that can be used to help cover expenses.</dd></div> <div id='KJE-D-HOME_EQUITY' ><dt>Home equity</dt><dd>Total amount of equity in your home that you are willing to use toward your living expenses. Only include the home equity that you consider available to use toward your living expenses. For example, the equity you would make available by selling your home and moving into a smaller one.</dd></div> <div id='KJE-D-INVESTMENTS' ><dt>Investments</dt><dd>Total value of all investments that you are willing to use toward your living expenses.</dd></div> <div id='KJE-D-OTHER' ><dt>Other</dt><dd>Any other assets that you may be willing to sell or liquidate.</dd></div> <div id='KJE-D-ESTATE_OR_INHERITANCE_TAXES_ON_ASSETS' ><dt>Estate or inheritance taxes on assets</dt><dd>Taxes that are required to be paid on your assets at death.</dd></div> <div id='KJE-D-PROBATE_COSTS' ><dt>Probate costs</dt><dd>Probate costs cover a state's legal fees for disbursing the assets of the deceased. You may incur significant probate costs, depending on your state of residence, even if you have a will.</dd></div> <div id='KJE-D-FUNERAL_COSTS' ><dt>Funeral costs</dt><dd>All costs required to cover the cost of the funeral.</dd></div> <div id='KJE-D-UNINSURED_MEDICAL_COSTS' ><dt>Uninsured medical costs</dt><dd>Any medical costs that are not covered by your medical insurance. Make sure to include any deductibles.</dd></div> <div id='KJE-D-DEBT_REPAYMENT' ><dt>Debt repayment</dt><dd>Credit card debt, auto loans, home equity loans, mortgages or other debt that you wish to repay. Providing the ability to repay these loans if you were to die can significantly help your family meet their monthly living expenses.</dd></div> <div id='KJE-D-COLLEGE_FUND_FOR_CHILD_1' ><dt>College fund for children</dt><dd>Amounts you wish to provide your surviving children to cover future college expenses.</dd></div> <div id='KJE-D-OTHER_ATDEATH_EXPENSES' ><dt>Other expenses</dt><dd>Any other items that you need to pay with your insurance proceeds.</dd></div> <div id='KJE-D-SPOUSE_INCOME_FROM_WORK' ><dt>Spouse income from work</dt><dd>Income expected from your spouse after your death. If your spouse needs education or retraining, make sure that the starting year for this income provides adequate time to complete.</dd></div> <div id='KJE-D-SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME' ><dt>Social Security child benefits</dt><dd>Depending on your work history, your children may qualify for Social Security benefits. A surviving child's Social Security benefit generally continues to age 18. Once the children are gone, Social Security benefits are generally not available until the widow/widower turns age 60.</dd></div> <div id='KJE-D-SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE' ><dt>Social Security survivor benefits</dt><dd>Depending on your work history, your family may qualify for Social Security benefits. Typically, Social Security benefits for the widow/widower cease when the youngest child turns 16. Although the child's benefit generally continues to age 18. Once the children are gone, Social Security benefits are generally not available again until the widow/widower turns age 60.</dd></div> <div id='KJE-D-OTHER_INCOME' ><dt>Other income</dt><dd>Any other monthly income that your family may receive after your death.</dd></div> <div id='KJE-D-CHILD_CARE_EXPENSES' ><dt>Child care expenses</dt><dd>Total monthly expenses for childcare.</dd></div> <div id='KJE-D-LIVING_EXPENSES_WITH_CHILDREN_AT_HOME' ><dt>Living expenses with children at home</dt><dd>Total monthly expenses while your children are living at home. This should include all monthly expenses except child care.</dd></div> <div id='KJE-D-LIVING_EXPENSES_WITH_CHILDREN_GONE' ><dt>Living expenses with children gone</dt><dd>Total monthly expenses after your children have left home. This should include all monthly expenses.</dd></div> <div id='KJE-D-CHILDRENS_COLLEGE_EXPENSES' ><dt>Children's education expenses</dt><dd>Monthly expenses for your children's education expenses. If your children have not yet entered college, and have no other educational expenses, leave this amount at zero and enter an amount in the college fund entry fields in the total expenses at death section.</dd></div> <div id='KJE-D-RETRAINING_AND_EDUCATION_FOR_SPOUSE' ><dt>Retraining and education for spouse</dt><dd>Monthly expenses expected to cover any cost of education or retraining for your spouse to re-enter the workforce.</dd></div> <div id='KJE-D-OTHER_EXPENSES' ><dt>Other expenses</dt><dd>Any other monthly expenses not included above.</dd></div> ";KJE.ReportText=' <h2 class=\'KJEReportHeader KJEFontHeading\'>Your family may require NEW_INSURANCE_NEEDED in life insurance.</h2>**GRAPH** <p>This is based on your total life insurance needs of LIFE_INSURANCE_REQUIRED_TO_COVER_SHORTFALL with CURRENT_INSURANCE of current life insurance. This analysis covers NUMBER_OF_YEARS_YOU_WISH_INSURANCE_TO_COVER years with an inflation rate of INFLATION_RATE per year. Your rate earned on savings and investments is calculated at RATE_EARNED_ON_SAVINGS_AND_INVESTMENTS per year. <!--STARTHIDETAXES--> Your combined federal and state income tax rate is COMBINED_FEDERAL_AND_STATE_TAX_RATE. <!--ENDHIDETAXES--> <p>IMMEDIATE_NEED_MSG <div class=KJECenter><div class=KJEReportTableDiv><table class=KJEReportTable><caption class=\'KJEHeaderRow KJEHeading\'>Total Assets</caption> <tbody class=\'KJEReportTBody\'> <tr class=KJEOddRow><th class="KJELabel KJECellBorder KJECell50" scope=\'row\'>Current life insurance coverage</th><td class="KJECell">CURRENT_INSURANCE</td></tr> <tr class=KJEOddRow><th class="KJELabel KJECellBorder" scope=\'row\'>Cash and savings</th><td class="KJECell">CASH_AND_SAVINGS</td></tr> <tr class=KJEOddRow><th class="KJELabel KJECellBorder" scope=\'row\'>Home equity</th><td class="KJECell">HOME_EQUITY</td></tr> <tr class=KJEOddRow><th class="KJELabel KJECellBorder" scope=\'row\'>Investments</th><td class="KJECell">INVESTMENTS</td></tr> <tr class=KJEOddRow><th class="KJELabel KJECellBorder" scope=\'row\'>Other</th><td class="KJECell">OTHER</td></tr> </tbody> <tfoot class=\'KJEReportTFooter\'> <tr class=KJEFooterRow><th class="KJELabel KJECellBorder" scope=\'row\'>Total assets to cover expenses</th><td class="KJELabel">TOTAL_ASSETS_TO_COVER_EXPENSES</td></tr> </tfoot> </table> </div> </div> <div class=KJECenter><div class=KJEReportTableDiv><table class=KJEReportTable><caption class=\'KJEHeaderRow KJEHeading\'>Expenses at Death</caption> <tbody class=\'KJEReportTBody\'> <tr class=KJEOddRow><th class="KJELabel KJECellBorder KJECell50" scope=\'row\'>Estate or inheritance taxes on assets</th><td class="KJECell">ESTATE_OR_INHERITANCE_TAXES_ON_ASSETS</td></tr> <tr class=KJEOddRow><th class="KJELabel KJECellBorder" scope=\'row\'>Probate costs</th><td class="KJECell">PROBATE_COSTS</td></tr> <tr class=KJEOddRow><th class="KJELabel KJECellBorder" scope=\'row\'>Funeral costs</th><td class="KJECell">FUNERAL_COSTS</td></tr> <tr class=KJEOddRow><th class="KJELabel KJECellBorder" scope=\'row\'>Uninsured medical costs</th><td class="KJECell">UNINSURED_MEDICAL_COSTS</td></tr> <tr class=KJEOddRow><th class="KJELabel KJECellBorder" scope=\'row\'>Debt repayment</th><td class="KJECell">DEBT_REPAYMENT</td></tr> <tr class=KJEOddRow><th class="KJELabel KJECellBorder" scope=\'row\'>College fund for child 1</th><td class="KJECell">COLLEGE_FUND_FOR_CHILD_1</td></tr> <tr class=KJEOddRow><th class="KJELabel KJECellBorder" scope=\'row\'>College fund child 2</th><td class="KJECell">COLLEGE_FUND_CHILD_2</td></tr> <tr class=KJEOddRow><th class="KJELabel KJECellBorder" scope=\'row\'>College fund child 3</th><td class="KJECell">COLLEGE_FUND_CHILD_3</td></tr> <tr class=KJEOddRow><th class="KJELabel KJECellBorder" scope=\'row\'>Other expenses</th><td class="KJECell">OTHER_ATDEATH_EXPENSES</td></tr> </tbody> <tfoot class=\'KJEReportTFooter\'> <tr class=KJEFooterRow><th class="KJELabel KJECellBorder" scope=\'row\'>Total expenses at death</th><td class="KJELabel">TOTAL_EXPENSES_AT_DEATH</td></tr> </tfoot> </table> </div> </div> <div class=KJECenter><div class=KJEReportTableDiv><table class=KJEReportTable><caption class=\'KJEHeaderRow KJEHeading\'>Your Family\'s Future Income <!--STARTHIDETAXES-->(After Taxes)<!--ENDHIDETAXES--></caption> <thead class=\'KJEReportTHeader\'> <tr class=KJEHeaderRow><td class="KJEHeading KJECell40">&nbsp;</td><th class="KJEHeading KJECell20" scope=\'col\'>Monthly<br />Amount</th><th class="KJEHeading KJECell20" scope=\'col\'>Year to<br />Start</th><th class="KJEHeading KJECell20" scope=\'col\'><br />Duration</th></tr> </thead> <tbody class=\'KJEReportTBody\'> <tr class=KJEOddRow><th class="KJELabel KJECellBorder" scope=\'row\'>Spouse income from work</th><td class="KJECell KJECellBorder">SPOUSE_INCOME_FROM_WORK</td><td class="KJECell KJECellBorder">YEARS_UNTIL_START_SPOUSE_INCOME_FROM_WORK</td><td class="KJECell">DURATION_SPOUSE_INCOME_FROM_WORK</td></tr> <tr class=KJEOddRow><th class="KJELabel KJECellBorder" scope=\'row\'>Social Security child benefits</th><td class="KJECell KJECellBorder">SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME</td><td class="KJECell KJECellBorder">YEARS_UNTIL_START_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME</td><td class="KJECell">DURATION_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_AT_HOME</td></tr><!--STARTHIDETAXES--> <tr class=KJEOddRow><th class="KJELabel KJECellBorder" scope=\'row\'>Social Security survivor benefits</th><td class="KJECell KJECellBorder">SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE</td><td class="KJECell KJECellBorder">YEARS_UNTIL_START_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE</td><td class="KJECell">DURATION_SOCIAL_SECURITY_SURVIVOR_BENEFITS_CHILDREN_GONE</td></tr><!--ENDHIDETAXES--> <tr class=KJEOddRow><th class="KJELabel KJECellBorder" scope=\'row\'>Other Income</th><td class="KJECell KJECellBorder">OTHER_INCOME</td><td class="KJECell KJECellBorder">YEARS_UNTIL_START_OTHER_INCOME</td><td class="KJECell">DURATION_OTHER_INCOME</td></tr> </tbody> <tfoot class=\'KJEReportTFooter\'> <tr class=KJEFooterRow><th class="KJELabel KJECellBorder" scope=\'row\'>Total future income*</th><td colspan=3 class="KJELabel">TOTAL_VALUE_OF_CURRENT_INCOME</td></tr> </tfoot> </table> </div> <div class=KJEReportTableDiv><table class=KJEReportTable><caption class=\'KJEHeaderRow KJEHeading\'>Your Family\'s Future Expenses</caption> <thead class=\'KJEReportTHeader\'> <tr class=KJEHeaderRow><td class="KJEHeading KJECell40">&nbsp;</td><th class="KJEHeading KJECell20" scope=\'col\'>Monthly<br />Amount</th><th class="KJEHeading KJECell20" scope=\'col\'>Year to<br />Start</th><th class="KJEHeading KJECell20" scope=\'col\'><br />Duration</th></tr> </thead> <tbody class=\'KJEReportTBody\'> <tr class=KJEOddRow><th class="KJELabel KJECellBorder" scope=\'row\'>Child care expenses</th><td class="KJECell KJECellBorder">CHILD_CARE_EXPENSES</td><td class="KJECell KJECellBorder">YEARS_UNTIL_START_CHILD_CARE_EXPENSES</td><td class="KJECell">DURATION_CHILD_CARE_EXPENSES</td></tr> <tr class=KJEOddRow><th class="KJELabel KJECellBorder" scope=\'row\'>Living expenses<!--STARTHIDETAXES--> with children at home<!--ENDHIDETAXES--></th><td class="KJECell KJECellBorder">LIVING_EXPENSES_WITH_CHILDREN_AT_HOME</td><td class="KJECell KJECellBorder">YEARS_UNTIL_START_LIVING_EXPENSES_WITH_CHILDREN_AT_HOME_</td><td class="KJECell">DURATION_LIVING_EXPENSES_WITH_CHILDREN_AT_HOME_</td></tr><!--STARTHIDETAXES--> <tr class=KJEOddRow><th class="KJELabel KJECellBorder" scope=\'row\'>Living expenses with children gone</th><td class="KJECell KJECellBorder">LIVING_EXPENSES_WITH_CHILDREN_GONE</td><td class="KJECell KJECellBorder">YEARS_UNTIL_START_LIVING_EXPENSES_WITH_CHILDREN_GONE</td><td class="KJECell">DURATION_LIVING_EXPENSES_WITH_CHILDREN_GONE</td></tr><!--ENDHIDETAXES--> <tr class=KJEOddRow><th class="KJELabel KJECellBorder" scope=\'row\'>Children\'s education expenses</th><td class="KJECell KJECellBorder">CHILDRENS_COLLEGE_EXPENSES</td><td class="KJECell KJECellBorder">YEARS_UNTIL_START_CHILDRENS_COLLEGE_EXPENSES</td><td class="KJECell">DURATION_CHILDRENS_COLLEGE_EXPENSES</td></tr><!--STARTHIDETAXES--> <tr class=KJEOddRow><th class="KJELabel KJECellBorder" scope=\'row\'>Retraining and education for spouse</th><td class="KJECell KJECellBorder">RETRAINING_AND_EDUCATION_FOR_SPOUSE</td><td class="KJECell KJECellBorder">YEARS_UNTIL_START_RETRAINING_AND_EDUCATION_FOR_SPOUSE</td><td class="KJECell">DURATION_RETRAINING_AND_EDUCATION_FOR_SPOUSE</td></tr><!--ENDHIDETAXES--> <tr class=KJEOddRow><th class="KJELabel KJECellBorder" scope=\'row\'>Other expenses</th><td class="KJECell KJECellBorder">OTHER_EXPENSES</td><td class="KJECell KJECellBorder">YEARS_UNTIL_START_OTHER_EXPENSES</td><td class="KJECell">DURATION_OTHER_EXPENSES</td></tr> </tbody> <tfoot class=\'KJEReportTFooter\'> <tr class=KJEFooterRow><th class="KJELabel KJECellBorder" scope=\'row\'>Total future expenses*</th><td colspan=3 class="KJELabel">TOTAL_FUTURE_EXPENSES</td></tr> </tfoot> </table> </div></div> <p>*Both the future expenses and future income totals are expressed as the amount of cash required today, invested at your expected rate of return, to equal the total future cash flow. For example, if you are expecting to receive $1,000 in exactly one year, that $1,000 has the same value as $909 today invested at 10%. Our totals show these current amounts to calculate the life insurance you require today to help cover your future expenses after your future income is taken into account. <h2 class=\'KJEScheduleHeader KJEFontHeading\'>Income and expenses**</h2> **REPEATING GROUP** <!--STARTHIDETAXES--> <p>**Please note that interest income in the above schedule is calculated at AFTERTAX_RATE, which is your after-tax annual rate of return.<!--ENDHIDETAXES--> ';

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