Hi Everyone, I'm spending many an hour going through this forum and am very grateful for all of you that contribute. I am learning quite a bit and look forward to one day making some sort of positive contribution myself. I've recently gotten my license for Life A&H,and I've decided to go it alone,independent,be my own boss sort of thing.I'm appointed with a couple of companies thus far and looking to add a few more of course. I'm such a virgin in this new career that I still have to get my business cards printed up. Still looking for an answering service for phone numbers before I do so. However,as my heading suggests,does anyone use a simplified fact-finder or needs analysis type of thing,to calculate how much insurance Mr Client should actually carry to adequately meet his and/or his family's true life insurance needs? If anyone has something of this nature that you may be able to share with me,it would certainly be very much appreciated. Thanks everyone.