06/11/2026
Today I met with a gentleman who believed he had $14,000 in life insurance coverage.
After reviewing his policy, we discovered he actually had:
✅ $4,000 of life insurance
❌ The other $10,000 was accidental death coverage only
Many people don’t realize there’s a difference.
Accidental coverage only pays if death results from a qualifying accident. It generally does not pay for natural causes such as heart disease, cancer, stroke, or other health-related conditions.
That’s why reviewing your policy is so important.
I’m not saying anyone’s coverage is bad—but it’s important to know exactly what you have and what your family can expect when they need it most.
A quick policy review can help answer questions like:
✔ How much life insurance do I actually have?
✔ Is my coverage accidental or whole life?
✔ Are there any gaps in my protection?
✔ Is my beneficiary information current?
Today we were able to help make sure this client understood exactly what he had and explore options that better fit his needs.
If you’d like a free policy review, send me a message.
— Breanna Horton
Licensed Life Insurance Agent