This online calculator is provided by Life Happens, a nonprofit organization dedicated to helping Americans take personal financial responsibility through the ownership of life insurance and related products, including disability and long-term care insurance. Life Happens does not endorse any insurance company, product or advisor. Copyright © 2015 Life Happens. All Rights Reserved

This "Life Insurance Needs Calculator" is a tool created and offered by LIFE Happens. LIFE Happens is not affiliated with Foresters Financial or any of its affiliates. The LIFE calculator is designed to provide you with general information about how much life insurance you may need based on certain information you enter into the calculator. This calculator is designed for illustrative purposes only. The calculator is not intended to be used to show the performance of any particular investment or insurance product. Results may vary with each use and over time depending on what information is entered into the calculator. The calculator is intended to serve as a basis for further discussion with your Foresters Financial Representative, life insurance, financial, legal, tax and/or accounting advisors, as appropriate, regarding your insurance needs. Your attorney, tax advisor or accountant should be consulted regarding any legal, tax or accounting issues regarding your particular situation. Foresters Financial and its affiliates do not provide legal, financial planning, tax, estate planning, or accounting advice.

The information provided by the calculator has neither been audited by, nor verified by Foresters Financial or its affiliates, and is therefore not guaranteed by them as to its accuracy.

All variable life insurance, variable annuities and mutual funds are offered by prospectus only and can be obtained through registered representatives of Foresters Financial Services, Inc. by calling 800-832-7783. You should carefully consider the investment objectives, risks, charges and expenses of the product before investing. The prospectus contains this, and other information about the product and it should be read carefully before you invest.

Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society) and its subsidiaries.