15/09/2026
Don't ask, "𝐇𝐨𝐰 𝐦𝐮𝐜𝐡 𝐜𝐚𝐧 𝐈 𝐚𝐟𝐟𝐨𝐫𝐝 𝐭𝐨 𝐩𝐚𝐲 𝐟𝐨𝐫 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞?”
Ask "𝐇𝐨𝐰 𝐦𝐮𝐜𝐡 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐩𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐨𝐧 𝐰𝐨𝐮𝐥𝐝 𝐦𝐲 𝐟𝐚𝐦𝐢𝐥𝐲 𝐧𝐞𝐞𝐝 𝐢𝐟 𝐈 𝐰𝐞𝐫𝐞 𝐧𝐨 𝐥𝐨𝐧𝐠𝐞𝐫 𝐡𝐞𝐫𝐞?”
💡 7 𝙻𝚒𝚏𝚎 𝙸𝚗𝚜𝚞𝚛𝚊𝚗𝚌𝚎 𝙷𝚊𝚌𝚔𝚜
1. 🄱🅄🅈 🅆🄷🄸🄻🄴 🅈🄾🅄'🅁🄴 🄷🄴🄰🄻🅃🄷🅈
Younger and healthier usually means lower premiums and easier underwriting. Don’t wait until you “need” insurance.
2.🄸🄽🅂🅄🅁🄴 🅈🄾🅄🅁 🄸🄽🄲🄾🄼🄴, 🄽🄾🅃 🄹🅄🅂🅃 🅈🄾🅄🅁 🄻🄸🄵🄴.
Ask: “If I’m gone tomorrow, how much would my family need to continue living?” Consider income replacement, debts, education, and daily expenses.
3.🅂🅃🄰🅁🅃 🅂🄼🄰🄻🄻, 🅃🄷🄴🄽 🄸🄽🄲🅁🄴🄰🅂🄴 🄲🄾🅅🄴🅁🄰🄶🄴
You don't have to wait until you can afford a huge policy. A manageable premium is better than having no protection.
4.🅄🅂🄴 🄸🄽🅂🅄🅁🄰🄽🄲🄴 🄵🄾🅁 🄿🅁🄾🅃🄴🄲🅃🄸🄾🄽—🄽🄾🅃 🄹🅄🅂🅃 🅂🄰🅅🄸🄽🄶🅂.
Life insurance is primarily about transferring financial risk. Savings and investments can work alongside it.
5.🅁🄴🅅🄸🄴🅆 🅈🄾🅄🅁 🄿🄾🄻🄸🄲🅈 🄰🄵🅃🄴🅁 🄼🄰🄹🄾🅁 🄻🄸🄵🄴 🄲🄷🄰🄽🄶🄴🅂.
Marriage, children, a new home, a business, or a significant income increase can all mean your coverage needs have changed.
6. 🄽🄰🄼🄴 🄱🄴🄽🄴🄵🄸🄲🄸🄰🅁🄸🄴🅂 🄲🄰🅁🄴🄵🅄🄻🄻🅈 🄰🄽🄳 🄺🄴🄴🄿 🅃🄷🄴🄼 🅄🄿🄳🄰🅃🄴🄳.Make sure your beneficiary information reflects your current wishes and circumstances.
7. 🅃🄷🄸🄽🄺 🄾🄵 🄸🄽🅂🅄🅁🄰🄽🄲🄴 🄰🅂 🄰 🄿🅁🄾🄼🄸🅂🄴 🅃🄾 🅈🄾🅄🅁 🄵🅄🅃🅄🅁🄴 🅂🄴🄻🄵. ❤️ You’re not buying it because you expect something bad to happen. You're preparing so that if something does happen, your family doesn't have to carry the entire financial burden.
Your FA - CATHY
