public ActionResult Index(NeedsViewModel vm)
{
try
{
//min 25,000
//max 500,000
//25,000 increments
//calculate needs
decimal insuredNeedsRate = Decimal.Divide(1.06M, 1.03M) - 1.00M;
decimal spouseTaxRate = 0.25M;
decimal inflationRate = 0.03M;
var numKidsNeedFunding = GetDefaultIfNull(vm.numKidsNeedFunding);
var collegeFunding = Decimal.Multiply(numKidsNeedFunding, (vm.schoolType == SCHOOLTYPES_PUBLIC ? 75772.00M : 169676.00M));
var lumpSumNeedsAtDeath = GetDefaultIfNull(vm.finalExpenses) + GetDefaultIfNull(vm.otherDebtExpenses) + GetDefaultIfNull(vm.mortgageExpenses) + collegeFunding;
var incomeNeeds = vm.totalAnnualIncome;
decimal currentInvestmentCapital = GetDefaultIfNull(vm.currentRetirementSavings) + GetDefaultIfNull(vm.currentSavings);
decimal existingLifeInsurance = GetDefaultIfNull(vm.existingLifeInsuranceValue);
decimal presentValueOfSpouseIncomeNeeds = Math.Abs(BusinessRulesClass.CalculatePresentValueOfIncomeNeeds(inflationRate, vm.spouseTotalAnnualIncome == null ? 0.0M : Decimal.Multiply((1 - spouseTaxRate), GetDefaultIfNull(vm.spouseTotalAnnualIncome)),
vm.spouseYearsOfIncomeLeft == null ? 0 : vm.spouseYearsOfIncomeLeft.Value));
decimal presentValueOfIncomeNeeds = BusinessRulesClass.CalculatePresentValueOfIncomeNeeds(insuredNeedsRate, Decimal.Multiply(-1.0M, (GetDefaultIfNull(vm.totalAnnualIncome))),
vm.yearsOfIncomeLeft == null ? 0 : vm.yearsOfIncomeLeft.Value);
var overallNeeds = BusinessRulesClass.CalculateOverallNeeds(presentValueOfIncomeNeeds,
lumpSumNeedsAtDeath,
currentInvestmentCapital,
existingLifeInsurance,
presentValueOfSpouseIncomeNeeds);
var nm = new NeedsModel()
{
collegeFunding = collegeFunding,
currentInvestmentCapital = currentInvestmentCapital,
existingLifeInsurance = existingLifeInsurance,
incomeNeeds = GetDefaultIfNull(incomeNeeds),
lumpSumNeedsAtDeath = lumpSumNeedsAtDeath,
overallNeeds = overallNeeds,
presentValueOfIncomeNeeds = presentValueOfIncomeNeeds,
presentValueOfSpouseIncomeNeeds = presentValueOfSpouseIncomeNeeds
};
vm.CoverageAmount = this.GetOverallNeedsBasedOnBand(overallNeeds);
vm.needsModel = nm;
return(View(vm)); //send to view with the results
}
catch (Exception ex)
{
TempData["ErrorMessage"] = ex.Message;
var msg = "There was an error during the needs calculation.";
vm.ViewMessages.Add(msg);
return(View(vm));
}
}
public ActionResult Index(NeedsViewModel vm)
{
try
{
// Determine eligibility
//EligibilityInfo eligibility = BusinessRulesClass.IsEligible(vm.Age, vm.stateInfo.Name, vm.tobacco, vm.health, null == vm.ReplacementPolicy ? false : vm.ReplacementPolicy.Value);
//if (eligibility.IsEligible)
//{
//min 25,000
//max 500,000
//25,000 increments
//calculate needs
decimal insuredNeedsRate = Decimal.Divide(1.06M, 1.03M) - 1.00M;
decimal spouseTaxRate = 0.25M;
decimal inflationRate = 0.03M;
var numKidsNeedFunding = GetDefaultIfNull(vm.numKidsNeedFunding);
var collegeFunding = Decimal.Multiply(numKidsNeedFunding, (vm.schoolType == "PUBLIC" ? 75772.00M : 169676.00M));
var lumpSumNeedsAtDeath = GetDefaultIfNull(vm.finalExpenses) + GetDefaultIfNull(vm.otherDebtExpenses) + GetDefaultIfNull(vm.mortgageExpenses) + collegeFunding;
var incomeNeeds = vm.totalAnnualIncome;
decimal currentInvestmentCapital = GetDefaultIfNull(vm.currentRetirementSavings) + GetDefaultIfNull(vm.currentSavings);
decimal existingLifeInsurance = GetDefaultIfNull(vm.existingLifeInsuranceValue);
decimal presentValueOfSpouseIncomeNeeds = Math.Abs(BusinessRulesClass.CalculatePresentValueOfIncomeNeeds(inflationRate, vm.spouseTotalAnnualIncome == null ? 0.0M : Decimal.Multiply((1 - spouseTaxRate), GetDefaultIfNull(vm.spouseTotalAnnualIncome)),
vm.spouseYearsOfIncomeLeft == null ? 0 : vm.spouseYearsOfIncomeLeft.Value));
decimal presentValueOfIncomeNeeds = BusinessRulesClass.CalculatePresentValueOfIncomeNeeds(insuredNeedsRate, Decimal.Multiply(-1.0M, (GetDefaultIfNull(vm.totalAnnualIncome))),
vm.yearsOfIncomeLeft == null ? 0 : vm.yearsOfIncomeLeft.Value);
var overallNeeds = BusinessRulesClass.CalculateOverallNeeds(presentValueOfIncomeNeeds,
lumpSumNeedsAtDeath,
currentInvestmentCapital,
existingLifeInsurance,
presentValueOfSpouseIncomeNeeds);
var nm = new NeedsModel()
{
collegeFunding = collegeFunding,
currentInvestmentCapital = currentInvestmentCapital,
existingLifeInsurance = existingLifeInsurance,
incomeNeeds = GetDefaultIfNull(incomeNeeds),
lumpSumNeedsAtDeath = lumpSumNeedsAtDeath,
overallNeeds = overallNeeds,
presentValueOfIncomeNeeds = presentValueOfIncomeNeeds,
presentValueOfSpouseIncomeNeeds = presentValueOfSpouseIncomeNeeds
};
vm.CoverageAmount = this.GetOverallNeedsBasedOnBand(overallNeeds);
vm.needsModel = nm;
return(View(vm)); //send to view with the results
/*}
* else
* {
* TempData["ContactViewModel"] = new ContactViewModel { DenialMessage = eligibility.EligibilityMessage, IsReplacementReject = eligibility.IsReplacememtReject, State = eligibility.State };
* return RedirectToActionPermanent("Contact", "Contact");
* }*/
}
catch (Exception ex)
{
TempData["ErrorMessage"] = ex.Message;
var msg = "There was an error during the needs calculation.";
vm.ViewMessages.Add(msg);
return(View(vm));
}
}