{"id":1399,"date":"2022-08-12T11:36:35","date_gmt":"2022-08-12T15:36:35","guid":{"rendered":"https:\/\/ppta.ca\/tools\/calculateur-des-besoins-en-assurance-vie\/"},"modified":"2022-10-04T16:15:28","modified_gmt":"2022-10-04T20:15:28","slug":"calculate-your-life-insurance-needs","status":"publish","type":"page","link":"https:\/\/ppta.ca\/en\/tools\/calculate-your-life-insurance-needs\/","title":{"rendered":"Calculate your life insurance needs"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row type=&#8221;in_grid&#8221; text_align=&#8221;inherit&#8221; el_class=&#8221;calculateur-row&#8221;][vc_column][vc_row_inner type=&#8221;full_width&#8221; text_align=&#8221;left&#8221; el_class=&#8221;padding-b-50&#8243;][vc_column_inner]<a href=\"\/en\/tools\/\" target=\"_self\" class=\"dist-btn type3\">All tools<\/a>[\/vc_column_inner][\/vc_row_inner][vc_column_text el_class=&#8221;calculateur-toptitle&#8221;]Calculators \u2014 Personal insurance[\/vc_column_text][vc_column_text el_class=&#8221;text-center&#8221;]<\/p>\n<h2>Calculator for life insurance needs<\/h2>\n<p>[\/vc_column_text][vc_row_inner type=&#8221;full_width&#8221; text_align=&#8221;inherit&#8221; el_class=&#8221;calculateur-inner-row padding-b-120&#8243;][vc_column_inner]<div class=\"dist-shortcode-container wpb_content_element\">\u00a0\n <script type=\"text\/javascript\">\n\n\nfunction calcul(){\n\nvar actif1 = parseInt(document.getElementById(\"actif1\").value);\nvar actif2 = parseInt(document.getElementById(\"actif2\").value);\nvar actif3 = parseInt(document.getElementById(\"actif3\").value);\nvar actif4 = parseInt(document.getElementById(\"actif4\").value);\n\nvar frais_couvrir1 = parseInt(document.getElementById(\"frais_couvrir1\").value);\nvar frais_couvrir2 = parseInt(document.getElementById(\"frais_couvrir2\").value);\nvar frais_couvrir3 = parseInt(document.getElementById(\"frais_couvrir3\").value);\nvar frais_couvrir4 = parseInt(document.getElementById(\"frais_couvrir4\").value);\nvar frais_couvrir5 = parseInt(document.getElementById(\"frais_couvrir5\").value);\nvar frais_couvrir6 = parseInt(document.getElementById(\"frais_couvrir6\").value);\n\nvar revenu_survivants = parseInt(document.getElementById(\"revenu_survivants\").value);\nvar annees_survivants = parseInt(document.getElementById(\"annees_survivants\").value);\n\nif(isNaN(actif1)){\nactif1 = 0;\ndocument.getElementById(\"actif1\").value=actif1;\n}\nif(isNaN(actif2)){\nactif2 = 0;\ndocument.getElementById(\"actif2\").value=actif2;\n}\nif(isNaN(actif3)){\nactif3 = 0;\ndocument.getElementById(\"actif3\").value=actif3;\n}\nif(isNaN(actif4)){\nactif4 = 0;\ndocument.getElementById(\"actif4\").value=actif4;\n}\n\nif(isNaN(frais_couvrir1)){\nfrais_couvrir1 = 0;\ndocument.getElementById(\"frais_couvrir1\").value=frais_couvrir1;\n}\nif(isNaN(frais_couvrir2)){\nfrais_couvrir2 = 0;\ndocument.getElementById(\"frais_couvrir2\").value=frais_couvrir2;\n}\nif(isNaN(frais_couvrir3)){\nfrais_couvrir3 = 0;\ndocument.getElementById(\"frais_couvrir3\").value=frais_couvrir3;\n}\nif(isNaN(frais_couvrir4)){\nfrais_couvrir4 = 0;\ndocument.getElementById(\"frais_couvrir4\").value=frais_couvrir4;\n}\nif(isNaN(frais_couvrir5)){\nfrais_couvrir5 = 0;\ndocument.getElementById(\"frais_couvrir5\").value=frais_couvrir5;\n}\nif(isNaN(frais_couvrir6)){\nfrais_couvrir6 = 0;\ndocument.getElementById(\"frais_couvrir6\").value=frais_couvrir6;\n}\n\nif(isNaN(revenu_survivants)){\nrevenu_survivants = 0;\ndocument.getElementById(\"revenu_survivants\").value=revenu_survivants;\n}\nif(isNaN(annees_survivants) || annees_survivants <= 0){\nannees_survivants = 1;\ndocument.getElementById(\"annees_survivants\").value=annees_survivants;\n}else if(annees_survivants >= 100){\nannees_survivants = 100;\ndocument.getElementById(\"annees_survivants\").value=annees_survivants;\n}\n\nif(annees_survivants == 1){\ndocument.getElementById(\"total_annee_requis\").innerHTML=\"Income required during \" + annees_survivants + \" year\";\n}else{\ndocument.getElementById(\"total_annee_requis\").innerHTML=\"Income required during \" + annees_survivants + \" years\";\n}\n\nvar total_revenu_requis;\n\nif(total_revenu_requis ===undefined){\nvar total_revenu_requis = revenu_survivants;\n}\n\nvar i=1;\nif(annees_survivants == 1){\ntotal_revenu_requis = total_revenu_requis;\n}else{\n\ndo{\ntotal_revenu_requis = total_revenu_requis * 0.98095238 + revenu_survivants;\ni ++\n}\nwhile (i<annees_survivants)  \n}\n\nvar total_frais_couvrir =  frais_couvrir1 + frais_couvrir2 + frais_couvrir3 + frais_couvrir4 + frais_couvrir5 + frais_couvrir6;\n\nvar total_revenu_requis = Math.round( total_revenu_requis );\n\n\nvar total_montant_requis = total_revenu_requis + total_frais_couvrir;\n\nvar total_actif_disponible = actif1 + actif2 + actif3 + actif4;\n\nvar besoin_assurance_vie = total_montant_requis - total_actif_disponible;\n\ntotal_revenu_requis = total_revenu_requis.toString().replace(\/\\B(?=(\\d{3})+(?!\\d))\/g, \" \");\n\n\ntotal_montant_requis = total_montant_requis.toString().replace(\/\\B(?=(\\d{3})+(?!\\d))\/g, \" \");\n\n\ntotal_actif_disponible = total_actif_disponible.toString().replace(\/\\B(?=(\\d{3})+(?!\\d))\/g, \" \");\n\ntotal_frais_couvrir = total_frais_couvrir.toString().replace(\/\\B(?=(\\d{3})+(?!\\d))\/g, \" \");\n\nbesoin_assurance_vie = besoin_assurance_vie.toString().replace(\/\\B(?=(\\d{3})+(?!\\d))\/g, \" \");\n\ndocument.getElementById(\"total_frais_couvrir\").innerHTML=total_frais_couvrir + \" $\";\n\ndocument.getElementById(\"total_revenu_requis\").innerHTML=total_revenu_requis + \" $\";\n\ndocument.getElementById(\"total_montant_requis\").innerHTML=total_montant_requis + \" $\";\n\n\ndocument.getElementById(\"total_actif_disponible\").innerHTML=total_actif_disponible + \" $\";\n\n\n\nif(besoin_assurance_vie <=0 ){\nbesoin_assurance_vie = 0;\n}\n\ndocument.getElementById(\"besoin_assurance_vie\").innerHTML=besoin_assurance_vie + \" $\";\n\n}\n\n\n<\/script>\n\n<table cellpadding=\"0\" cellspacing=\"0\" style=\"width:100%\">\n    <tbody>\n        <tr>\n            <td colspan=\"3\" class=\"table-header\">Your life insurance needs<\/td>\n        <\/tr>\n        <tr>\n            <td colspan=\"3\" class=\"tr-gold\">Your assets<\/td>\n        <\/tr>\n        <tr>\n            <td colspan=\"2\">Financial assets (savings, GIC, RRSP, etc.)<\/td>\n            <td><input type=\"text\" value=\"0\" id=\"actif1\" onclick=\"if(this.value=='0'){this.value=''}\" onblur=\"if(this.value==''){this.value='0'}\" onchange=\"calcul();return false;\" class=\"input_dollar\"><\/td>\n        <\/tr>\n        <tr class=\"tr-gris\">\n            <td colspan=\"2\">Personal assets (country home, vehicles, etc.)<\/td>\n            <td><input type=\"text\" value=\"0\" id=\"actif2\" onclick=\"if(this.value=='0'){this.value=''}\" onblur=\"if(this.value==''){this.value='0'}\" onchange=\"calcul();return false;\" class=\"input_dollar\"><\/td>\n        <\/tr>\n        <tr>\n            <td colspan=\"2\">Non-financial assets (company property, real estate, etc.)<\/td>\n            <td><input type=\"text\" value=\"0\" id=\"actif3\" onclick=\"if(this.value=='0'){this.value=''}\" onblur=\"if(this.value==''){this.value='0'}\" onchange=\"calcul();return false;\" class=\"input_dollar\"><\/td>\n        <\/tr>\n        <tr class=\"tr-gris\">\n            <td colspan=\"2\">Total amount of life insurance (personal life insurance, mortgage, from employer)<\/td>\n            <td><input type=\"text\" value=\"0\" id=\"actif4\" onclick=\"if(this.value=='0'){this.value=''}\" onblur=\"if(this.value==''){this.value='0'}\" onchange=\"calcul();return false;\" class=\"input_dollar\"><\/td>\n        <\/tr>\n        <tr>\n            <td colspan=\"3\" class=\"tr-gold\">Expenses to cover<\/td>\n        <\/tr>\n        <tr>\n            <td colspan=\"2\">Mortgages<\/td>\n            <td><input type=\"text\" value=\"0\" id=\"frais_couvrir1\" onclick=\"if(this.value=='0'){this.value=''}\" onblur=\"if(this.value==''){this.value='0'}\" onchange=\"calcul();return false;\" class=\"input_dollar\"><\/td>\n        <\/tr>\n        <tr class=\"tr-gris\">\n            <td colspan=\"2\">Loans (credit cards, credit margin, car loan)<\/td>\n            <td><input type=\"text\" value=\"0\" id=\"frais_couvrir2\" onclick=\"if(this.value=='0'){this.value=''}\" onblur=\"if(this.value==''){this.value='0'}\" onchange=\"calcul();return false;\" class=\"input_dollar\"><\/td>\n        <\/tr>\n        <tr>\n            <td colspan=\"2\">Final expenses (can vary between $5,000 and $20,000)<\/td>\n            <td><input type=\"text\" value=\"0\" id=\"frais_couvrir3\" onclick=\"if(this.value=='0'){this.value=''}\" onblur=\"if(this.value==''){this.value='0'}\" onchange=\"calcul();return false;\" class=\"input_dollar\"><\/td>\n        <\/tr>\n        <tr class=\"tr-gris\">\n            <td colspan=\"2\">Emergency fund<\/td>\n            <td><input type=\"text\" value=\"0\" id=\"frais_couvrir4\" onclick=\"if(this.value=='0'){this.value=''}\" onblur=\"if(this.value==''){this.value='0'}\" onchange=\"calcul();return false;\" class=\"input_dollar\"><\/td>\n        <\/tr>\n        <tr>\n            <td colspan=\"2\">Education fund<\/td>\n            <td><input type=\"text\" value=\"0\" id=\"frais_couvrir5\" onclick=\"if(this.value=='0'){this.value=''}\" onblur=\"if(this.value==''){this.value='0'}\" onchange=\"calcul();return false;\" class=\"input_dollar\"><\/td>\n        <\/tr>\n        <tr class=\"tr-gris\">\n            <td colspan=\"2\">Other expenses<\/td>\n            <td><input type=\"text\" value=\"0\" id=\"frais_couvrir6\" onclick=\"if(this.value=='0'){this.value=''}\" onblur=\"if(this.value==''){this.value='0'}\" onchange=\"calcul();return false;\" class=\"input_dollar\"><\/td>\n        <\/tr>\n        <tr>\n            <td colspan=\"3\" class=\"tr-gold\">Summary<\/td>\n        <\/tr>\n        <tr>\n            <td colspan=\"2\">Annual income for survivors<\/td>\n            <td><input type=\"text\" value=\"0\" id=\"revenu_survivants\" onclick=\"if(this.value=='0'){this.value=''}\" onblur=\"if(this.value==''){this.value='0'}\" onchange=\"calcul();return false;\" class=\"input_dollar\"><\/td>\n        <\/tr>\n        <tr class=\"tr-gris\">\n            <td colspan=\"2\">During<\/td>\n            <td><input type=\"text\" value=\"1\" id=\"annees_survivants\" onclick=\"if(this.value=='1'){this.value=''}\" onblur=\"if(this.value==''){this.value='1'}\" onchange=\"calcul();  return false;\" onkeydown=\"if(this.value>=1){this.className = 'input_ans';}else{this.className = 'input_an';};\" class=\"input_an\"> <\/td>\n        <\/tr>\n        <tr>\n            <td colspan=\"3\" class=\"tr-gold\">Survivor income needs<\/td>\n        <\/tr>\n        <tr>\n            <td colspan=\"2\">Total expenses to cover<\/td>\n            <td id=\"total_frais_couvrir\" class=\"td-droite\">0 $<\/td>\n        <\/tr>\n        <tr class=\"tr-gris\">\n            <td id=\"total_annee_requis\">Amount required to reach desired annual income<\/td>\n            <td>+<\/td>\n            <td id=\"total_revenu_requis\" class=\"td-droite\">0 $<\/td>\n        <\/tr>\n        <tr>\n            <td>Total amount required<\/td>\n            <td>=<\/td>\n            <td id=\"total_montant_requis\" class=\"td-droite\">0 $<\/td>\n        <\/tr>\n        <tr class=\"tr-gris\">\n            <td>Total available assets<\/td>\n            <td>-<\/td>\n            <td id=\"total_actif_disponible\" class=\"td-droite\">0 $<\/td>\n        <\/tr>\n        <tr>\n            <td>Life insurance needs<\/td>\n            <td>=<\/td>\n            <td id=\"besoin_assurance_vie\" class=\"td-droite\">0 $<\/td>\n        <\/tr>\n    <\/tbody>\n<\/table>\n\n<\/div>[\/vc_column_inner][\/vc_row_inner][vc_column_text el_class=&#8221;text-center&#8221;]Note: The calculator is provided for information purposes only. PPTA is committed to keeping this tool up to date, but cannot guarantee that the information and results obtained will be accurate, reliable or complete. PPTA is not responsible for any loss or damage that may arise from the use of this calculator, we invite you to <a class=\"gold-color\" href=\"https:\/\/ppta.ca\/en\/about-us\/the-team\/\">consult your advisor<\/a> to benefit from a personalized and complete service.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row type=&#8221;in_grid&#8221; text_align=&#8221;inherit&#8221; el_class=&#8221;calculateur-row&#8221;][vc_column][vc_row_inner type=&#8221;full_width&#8221; text_align=&#8221;left&#8221; el_class=&#8221;padding-b-50&#8243;][vc_column_inner][\/vc_column_inner][\/vc_row_inner][vc_column_text el_class=&#8221;calculateur-toptitle&#8221;]Calculators \u2014 Personal insurance[\/vc_column_text][vc_column_text el_class=&#8221;text-center&#8221;] Calculator for life insurance needs [\/vc_column_text][vc_row_inner type=&#8221;full_width&#8221; text_align=&#8221;inherit&#8221; el_class=&#8221;calculateur-inner-row padding-b-120&#8243;][vc_column_inner][\/vc_column_inner][\/vc_row_inner][vc_column_text el_class=&#8221;text-center&#8221;]Note: The calculator is provided for information purposes only. PPTA is committed to keeping this tool up to date, but cannot guarantee that the information and results obtained will be accurate, reliable or [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":1395,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","footnotes":""},"class_list":["post-1399","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/ppta.ca\/en\/wp-json\/wp\/v2\/pages\/1399","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ppta.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ppta.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ppta.ca\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ppta.ca\/en\/wp-json\/wp\/v2\/comments?post=1399"}],"version-history":[{"count":4,"href":"https:\/\/ppta.ca\/en\/wp-json\/wp\/v2\/pages\/1399\/revisions"}],"predecessor-version":[{"id":1539,"href":"https:\/\/ppta.ca\/en\/wp-json\/wp\/v2\/pages\/1399\/revisions\/1539"}],"up":[{"embeddable":true,"href":"https:\/\/ppta.ca\/en\/wp-json\/wp\/v2\/pages\/1395"}],"wp:attachment":[{"href":"https:\/\/ppta.ca\/en\/wp-json\/wp\/v2\/media?parent=1399"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}