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    MAINTAINING FAMILY AND HOME      
    Take annual family expenses    
    Annual expenses for another family member    
    Annual hire of a nurse or housekeeper    
    Annual medical costs    
    Subtotal  
    Multiply by number of years expenses will need to be met    
    Subtotal  
    Plus home modification costs    
    FAMILY TOTAL    
           
    PAYING FOR SECONDARY EDUCATION    
    Six years of school fees    
    Six Years of uniform requirements    
    Six years of buying books and stationery    
    Six years of school extras    
    Subtotal  
    Multiply by the number of children    
    EDUCATION TOTAL    
           
    CLEARING DEBTS    
    Mortgage    
    Credit card    
    Car Loan    
    Investment Loans    
    Other Debt    
    DEBT TOTAL    
           
    EXPENSES TOTAL    
           
    Minus any savings    
    Minus other assets that could be sold (after tax)    
           
    SUGGESTED TPD COVER