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HLV Modeling Tool

At Aynsley and Associates, we have developed a comprehensive 'Human Life Value' modeling tool to assist in our advisory process. 


The HLV Tool is a Life Insurance cashflow modeling tool that predicts your lifetime need for life insurance. Life insurance needs change throughout a person's life stages. We've found that most people have either too much coverage or not enough; this tool seeks to balance and predict a person's life insurance needs over their entire life. 

With this tool, we've discovered that a person's need for life cover invariably decreases as they age, as their children become less dependant, and as their assets grow. 


By answering these questions below, our people can accurately predict your need for cover today and into the distant future.  

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