Todd Bonanno - Family & Income Protection Specialist

06/03/2026

05/30/2026

One of the most common questions I hear is, "Is life insurance expensive for someone my age?" My answer is usually another question: what does expensive mean to you? We all value things differently. Some people think a fishing rod is expensive. Others think a nice dinner out is worth every penny.

When it comes to life insurance, the real question is often whether the cost makes sense compared to the protection it provides for your family. In many cases, people are surprised by how affordable coverage can be, especially when they start the process while they are younger and in good health.

Generally speaking, the younger and healthier you are when you apply, the more options you typically have available and the lower your premiums may be.

The best way to find out what coverage looks like for your specific situation is to have a conversation and explore your options. You may discover that protecting your family costs less than you expected.

05/28/2026

Many families assume they are financially protected until they actually sit down and look at how quickly bills, mortgages, childcare costs, debt, and everyday expenses would continue if an income suddenly disappeared. The reality is many households would face serious financial stress within just a few months after losing a primary income source.

That is why reviewing life insurance coverage is so important. The goal is not simply having a policy. It is making sure the coverage actually matches your family’s current lifestyle, responsibilities, long-term goals, and financial needs. Life changes over time, and insurance plans should evolve along with it.

Todd Bonanno works with individuals and families to help them better understand their options and create coverage plans designed to protect the people who matter most.

So now we’re curious… have you reviewed your life insurance coverage recently?

05/26/2026

One of the most common questions people ask is whether term life insurance or permanent life insurance makes more sense for their situation. The answer really depends on your goals, budget, stage of life, and long-term financial plans.

Term insurance provides coverage for a specific period of time and is typically the more affordable option upfront. Permanent insurance is designed to last for your entire lifetime and may also build additional value over time depending on the policy structure. One important thing many people do not realize is that some term policies can later be converted into permanent coverage, which can help people lock in a lower rate earlier in life while still keeping future options open.

The most important thing is having a policy that properly protects the people and priorities that matter most to you.

05/23/2026

This Memorial Day, Todd Bonanno and family want to take a moment to honor and remember the brave men and women who gave their lives serving our country. While many people spend the holiday weekend gathering with family and friends, it is important to pause and reflect on the true meaning behind Memorial Day and the sacrifices made to protect the freedoms we enjoy every day.

Memorial Day is about gratitude, remembrance, and honoring those who put service above themselves. It is also about recognizing the families who continue carrying the memory of loved ones who never made it home.

From Todd Bonanno and family, thank you to all who have served and especially to those who made the ultimate sacrifice for our country.

05/21/2026

One of the most common questions people ask is, “How much life insurance do I really need?” And honestly, the answer depends on your stage of life, your goals, and who depends on your income financially.

If you have young children, a spouse, debt, a mortgage, or people relying on your paycheck, it’s important to think beyond just funeral expenses. When someone passes away, their income stops, but the family’s bills, responsibilities, and future expenses usually do not. That’s why life insurance planning is really about protecting the people you care about long term and helping make sure they’re financially supported if something unexpected happens.

Every family situation is different, which is why having a real conversation about your goals matters more than guessing.

05/19/2026

One of the biggest misconceptions about life insurance is that there’s only one type of policy that works for everyone. The truth is, there are many different types of life insurance, and the right fit depends on your age, family situation, financial goals, budget, lifestyle, and what you want the policy to accomplish long term.

Some people simply want affordable protection for their family. Others are looking for long-term coverage, cash value growth, living benefits, mortgage protection, business planning, or coverage that can adapt as life changes over time. That’s why having real conversations matters instead of just buying the first policy someone throws in front of you online.

My goal is to help people understand their options clearly and find coverage that actually fits their life, not pressure them into something they don’t need.

05/16/2026

One of the biggest misconceptions people have about life insurance is thinking it only matters after someone passes away. And while protecting loved ones financially is absolutely one of the most important reasons people have coverage, many modern policies can offer additional benefits people don’t always realize exist.

Depending on the type of policy, some life insurance options may include living benefits that can help during certain critical or chronic illness situations, potentially allowing people to access support while they’re still here with their families. Some policies can also build tax-advantaged cash value over time, creating another layer of long-term financial flexibility and protection depending on someone’s goals and needs.

And of course, one of the most powerful aspects of life insurance is still the peace of mind it can provide for loved ones. In many cases, beneficiaries receive the death benefit income tax-free, helping families cover expenses, protect their lifestyle, handle debts, or simply avoid additional financial stress during an already emotional time.

The biggest thing is understanding your options because not every policy works the same way and not every family has the same goals. That’s why having a real conversation matters instead of just guessing or putting it off for another year.

My name is Todd Bonanno. I protect what matters most. Let’s have a conversation.

05/14/2026

A lot can change in two years. Maybe your income changed. Maybe you bought a home, changed jobs, had children, got married, started a business, paid off debt, or simply entered a completely different season of life. But one thing many people forget is that as life changes, insurance policies should usually be reviewed too.

One of the biggest mistakes people make is setting up coverage years ago and assuming everything is still structured the way it should be today. Sometimes beneficiaries need updating. Sometimes coverage amounts no longer make sense. Sometimes people are overpaying, underinsured, or simply don’t fully understand what their current policies actually cover anymore. And honestly, many people are surprised by what they learn during a simple policy review conversation.

That’s why I always recommend reviewing your life insurance and protection plans every couple of years, even if you think everything is probably fine. It’s not about pressure or trying to sell people something they don’t need. It’s about making sure your coverage still matches your real life and the people you’re trying to protect.

If it’s been more than two years since someone has looked over your policies with you, let’s have a conversation and make sure everything still lines up the way it should.

05/12/2026

This might sound a little blunt, but it’s a conversation more families probably need to have. If your current life insurance plan is basically “hopefully people donate on GoFundMe someday,” we should probably talk.

The reality is, GoFundMe campaigns are often created during some of the hardest and most emotional moments a family will ever experience. And while it’s incredible to see communities come together and support people in difficult times, relying on donations to cover funeral costs, mortgage payments, lost income, or everyday bills can create a huge amount of additional stress for loved ones who are already grieving.

Life insurance exists to help protect the people you care about before something unexpected happens. And one of the biggest misconceptions out there is that quality coverage is automatically expensive. In many cases, people are genuinely surprised at how affordable protecting their family’s future can actually be. It’s not about fear, it’s about preparation and making sure the people you love aren’t left trying to financially rebuild during an emotional crisis.

If you’ve been putting this conversation off, you’re definitely not alone. But having the conversation now is a whole lot easier than leaving the burden behind for someone else later.