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By Peter Coy

Choosing the amount of coverage is hard. The trick is to think like an economist

Life insurance may be the most badly purchased financial product. Some people, unwilling to face the thought of death, never buy coverage at all. Others feel guilty about the prospect of leaving loved ones behind and buy too much. Even those who put their emotions aside tend to fall back on oft-repeated and oft-wrong rules of thumb, such as buying a policy worth five times your annual salary.

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Zvi Bodie, Professor of Finance and Economics, Boston University School of Management

ESPlanner provides the most accurate forecasts and projections of any financial planning product I've seen.

Rick Miller, PhD., CFPTM, Sensible Financial Planning, Cambridge, MA

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Brian Berberet, CFA, Carrick Bend Advisors, LLC, San Mateo, CA

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Franco Modigliani, Economics Nobel Laureate

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Robert Glovsky, Director, Boston University's Program on Financial Planning and President, Mintz-Levin Financial Advisors

ESPlanner is a key tool I use in the process to create tailored investment portfolios and strategies for my clients."

—Brian Berberet, CFA, Carrick Bend Advisors, LLC, San Mateo, CA

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Disclaimer: ESPlannerBASIC, ESPlanner, ESPlannerPLUS and ESPlannerPRO, are educational calculators designed to give users input in mapping out financial futures, but should not be acted upon as a complete financial plan. The creators of these programs are not certified, registered, authorized, or any other type of financial planners. These programs are simply tools for helping you think through economic futures. Its "recommendations" should be viewed as informative inputs into your own decision-making with respect to saving and the purchase of life insurance. ESPlannerBASIC, ESPlanner, ESPlannerPLUS and ESPlannerPRO provide neither economic, financial nor tax advice, which can only be delivered to you by authorized professionals.

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