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Kids' education funded
Since 2016
Hawaii-licensed producer
Allianz & F&G
A-rated carriers appointed
EN / VI
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#18171750
HI producer license
Mark and Keiko, ages 42 and 40, live in Kailua with their two children. Like most families, they assumed they were "doing fine" financially.
After completing their 15-minute Financial Checkup, they discovered:
Their employer life insurance covered only 18 months of expenses, not the 10+ years their kids need to reach adulthood.
The Result:
Once they knew the size of the gap, they could decide what to do about it. What coverage costs depends on age, health class, the amount applied for, and the carrier’s underwriting decision.
* Example for illustration. Names changed. Individual situations vary.
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Financial Health Score
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Not enough information
What this means: Your score considers your net worth relative to your age, emergency fund coverage (N/A), family protection level, and retirement trajectory. Enter your household income to see a score. Without it there is nothing to measure protection or retirement against.
Total Assets
$0
Total Debts
$0
Enter your household income
Coverage estimates here are based on household income. Without it we cannot estimate anything, and a blank form does not mean you are adequately covered.
30 years until retirement at age 65
Based on your current savings of $0 and an assumed 15% savings rate with 7% annual growth. Your target is $0 (80% income replacement for 25 years). Adjustments may be needed to meet your retirement goals.
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The figures above are educational estimates from what you entered. They are not a quote and do not determine eligibility, which the carrier decides. Sony Ho is licensed in Hawaii and can only advise Hawaii residents.
Schedule Free ConsultationThis calculator provides estimates for educational purposes only and should not be considered financial advice. Individual circumstances vary. Consult with a qualified financial professional for personalized guidance.
Assumptions: Retirement projections assume 7% annual investment returns, 15% savings rate, and 80% income replacement in retirement. Actual results will vary based on market conditions and individual circumstances.
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Hawaii-licensed insurance producer · #18171750