02/17/2026
How much life insurance does YOUR family need?
A lot of people avoid this conversation. It’s uncomfortable, and many worry it’s going to turn into a sales pitch. I get it. The hard reality is even my team sometimes hesitates to bring it up because we don’t want to come across as pushy.
But let’s be clear: we’re not “pushy” when we thoroughly review your auto insurance to make sure you have the right coverage. We’re not pushy when we review the complexities of your home insurance. So why would we approach life insurance any differently?
Bottom line: we’re not here to convince anyone they “need” life insurance. But if you do want to make sure your family has the right protection, we’re happy to help you figure out the right number and understand your options—especially if your coverage is “through work,” where the details can be confusing.
A simple starting point is income replacement:
If you weren’t here tomorrow, how many years of breathing room would you want your loved ones to have before the financial impact is felt?
Annual income × number of years = a starting estimate
Example: $80,000 × 5 years = $400,000
If you want to run the numbers, here’s a helpful calculator:
https://st8.fm/4aPUqed
If you’d like a second set of eyes after you use it, message me your result and I’ll help you think it through.
I’ve instructed my team to ask every customer about their life insurance need, because it’s important to understand what would actually play out if the unexpected happens.
*I've included a hypothetical scenario below.
