DinBaby.com

Have been SN several years. The basis of the FP calculation is the average income over the past 3 years. In one of these years I only received income for 7.5 months (was 4.5 months at home taking care of my newly operated child and received no income at all) thus I do not see that this year was representative of a full working year. This particular year pulls my average income down quite significantly. Furthermore, in the 12 months prior to taking my next FP I will have had an income that is 136% of the average of the last 3 years. I have paid insurance on this sum of money. What will NAV use for my FP...