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Planning Tools

Explore Your Needs.
Start with Clarity.

These educational assessments can help you better understand your needs before starting a conversation. They are a starting point—not a recommendation.

Life Insurance Needs Assessment

Uses the DIME method — Debt, Income, Mortgage, Education — a widely accepted framework for estimating how much coverage your family may need.

Your Income & Family
$
yrs
$
Debts & Obligations
$
$
$
Existing Resources — reduces your gap
$
$
Total Estimated Coverage Need (DIME)
—
Illustrative estimate · not a guarantee of insurability or pricing
Breakdown
Income Replacement—
Mortgage Balance—
Other Debts & Final Expenses—
Education Costs—
Less: Existing Coverage & Savings—
Estimated Coverage Gap—

Ready to explore policies that fit this need?
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This assessment provides an illustrative estimate only and does not constitute financial, tax, or insurance advice. Individual needs vary based on your specific circumstances. Please consult a licensed insurance professional for a complete needs analysis. True North Insurance Group, LLC.

Disability Income Needs Assessment

Estimates the monthly income protection gap if you became unable to work due to illness or injury. Your paycheck is your most valuable asset.

Your Income
$

Most advisors recommend 60–70% of gross income

60% 65% 70%
Monthly Essential Expenses
$
$
$
$
Existing Coverage & Resources — reduces your gap
$
$
$
Estimated Monthly Coverage Gap
—
per month · illustrative estimate only
Breakdown
Target Monthly Benefit (60% of income)—
Monthly Essential Expenses—
Less: Employer Group Coverage—
Less: Existing Individual Coverage—
Less: Spouse / Partner Income—
Estimated Additional Coverage Needed—

An individual disability policy can be tailored to your occupation & income.
Talk with True North today.

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This assessment provides an illustrative estimate only. Premium estimates are approximate (1–3% of annual income). Actual premiums depend on age, health, occupation, benefit period, riders, and carrier. Benefits from individually-purchased policies paid with after-tax dollars are generally income-tax-free; consult your tax advisor. True North Insurance Group, LLC.

Long-Term Care Planning Assessment

Estimates the future cost of long-term care services and how much coverage you may need, factoring in inflation and your existing assets.

Your Profile
yrs
yrs
Type of Care Anticipated ?
Home Care Assisted Living Nursing Home

Home care (44 hrs/wk): ~$5,720/mo today · costs typically rise 4–5% annually

Coverage Design
2 yrs 3 yrs 5 yrs Unlimited
None 3% Compound 5% Compound
Existing Resources — reduces your gap
$
$
Estimated Future LTC Cost (Total)
—
Illustrative estimate · inflation-adjusted
How We Got There
Today's Monthly Cost (home care)—
Inflation Rate Applied Over — Years—
Future Monthly Cost at Care Start—
Benefit Period—
Gross LTC Cost Estimate—
Less: Existing LTC Coverage—
Less: Earmarked Assets—
Estimated Coverage Gap—

LTC policies can include inflation protection, shared care, and hybrid options.
Let's design the right plan together.

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This assessment provides an illustrative estimate only. LTC costs vary significantly by geography, care facility, and level of care required. Premium estimates are age-based ranges and are not a guarantee of insurability or pricing. Actual premiums depend on age, health, benefit design, and carrier. Please consult a licensed insurance professional. True North Insurance Group, LLC.

Retirement Readiness Assessment

Projects your nest egg at retirement and reveals any income gap — so you can take action now rather than discover a shortfall later.

Your Timeline
yrs
yrs
yrs
Current Savings & Contributions
$
$
%
%
Retirement Income Needs
$
$
$
Projected Nest Egg at Retirement
—
Illustrative projection · assumes consistent contributions & returns
Breakdown
Years to Retirement—
FV of Current Savings—
FV of Monthly Contributions—
Projected Nest Egg at Retirement—
Desired Monthly Income—
Less: Social Security Benefit—
Less: Other Guaranteed Income—
Monthly Gap from Savings (4% withdrawal rule)—
Required Nest Egg to Fund Gap—
Estimated Shortfall / Surplus—

Annuities and permanent life insurance can help fill retirement income gaps.
Let True North help you understand the options.

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This assessment provides an illustrative projection only and does not constitute financial, tax, or investment advice. Projections assume a constant rate of return; actual returns will vary. Social Security benefit estimates should be verified at ssa.gov. The 4% withdrawal rule is a general guideline, not a guarantee. Please consult a licensed financial professional for a complete retirement plan. True North Insurance Group, LLC.

Trust vs. Will Assessment

Answer a few questions to explore which estate-planning structure may warrant discussion with a qualified attorney.

This educational assessment is intended to help organize your questions. It does not create legal documents or provide legal advice.