03/20/2026
Your employer gave you $60,000 in life insurance. Your family needs $600,000.
I ask every new client the same question about their work policy.
But most of them have never actually looked at it.
When I show them how much they’re covered through work… it’s always the same reaction.
“That’s it?”
📍Save this — you’ll want to check your benefits packet tonight.
➡️Share this with someone who only relies on work benefits.
Employer coverage is a recruiting tool to attract new employees to the company — not a financial plan.
Work benefits were never built around your life.
Here’s how to find out what your family actually needs 👇🏻
🔹Check your employer coverage.
Most employers offer 1-2x your salary. On $60,000 that’s $60,000-$120,000. Your family can only survive on that for 1-2 years.
🔹Calculate what your family actually needs.
Multiply your income by 10. $60,000 salary means $600,000 minimum. 10 years of income replaced tax free.
🔹Get private term coverage to close the gap.
$600,000 in term life insurance is only 57/month for a healthy 32-year-old.
🔹Keep employer coverage as a bonus.
Not your plan. Just extra. Your private policy is what actually protects your family.
Free life insurance from work sounds amazing.
Until your family tries to live on $60,000 for the next 10 years.
Getting the right coverage after seeing this gap is simpler than most families expect. I walk them through it every single week.
Comment “LIFE” and I’ll build you a free personalized quote around your income and financial responsibilities.
👉🏻 Just make sure you follow me and check your DMs for my message.