1)How much will be needed at death to meet immediate obligations?
This amount takes into account all final expenses: uncovered medical bills, funeral and estate-settling costs, outstanding debts, mortgage balance and college costs to name a few.
2)How much future income is needed to sustain the household?
This is the number you'll arrive at after calculating the 'present value' of cash flow streams your family will need after your death.
only numeric values will be accepted. Do not use special characters such as $ or commas