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You and your partner, Pat, have no kids, but you earn more money per year than Pat. In the unfortunate event that you die, you would like Pat to be taken care of, so you decide to do a two-period needs analysis to determine how much of a death benefit you should look for in a life insurance policy. In you were to die soon, the plan would be for Pat to work for 18 years and then retire for another 22 years Pat's estimated living expenses before retirement are $5500 per month, but will drop to $3600 per month in retirement. Pat's salary is rather stable and is expected to be $55,000 per year until retirement. During retirement Pat's projected annual retirement benefits are $31,000. You have no debt or assets right now. How large of a life insurance death benefit should you get? Answer to the nearest dollar Using the quick guideline given in the book, if your annual income was $90,000 per year, what is the low end estimate for the amount of life insurance you would need? Answer to the nearest dollar