Life insurance for empty nesters

What is left on your mortgage?

The balance today, so your spouse can stay in the home. No mortgage? Enter 0.

Car loans, cards, home equity loans and any loan you co-signed. Enter 0 if none.

Your pay, pension or Social Security check that would stop or shrink, less what you spend on yourself. Enter 0 if your spouse could manage alone.

Often until your spouse’s own retirement income starts in full.

Existing life cover (group cover at work usually ends when the job does) plus savings outside retirement accounts. Enter 0 if none.

An amount paid whatever your age when you die. Enter 0 if you only want to cover your spouse.