4 Elements of an Estate Strategy Learn about the importance of having an estate strategy in this helpful and informative video. Share | Related Content Assess Your Life Insurance Needs This calculator estimates how much life insurance you would need to meet your family's needs if you were to die prematurely. Risk Perspective Is it possible to avoid loss? Not entirely, but you can attempt to manage risk. Retirement Income and the Traditional Portfolio Experiencing negative returns early in retirement can potentially undermine the sustainability of your assets.