09/08/2026
Whole Life Insurance: A 2026 Comeback?
It’s surprising how many families haven’t had a real conversation about life insurance—about 80% of those surveyed admitted they never discussed it in depth. I see this misunderstanding often in my work: many adult children simply assume their parents have coverage, yet only about 45% of parents actually do, while nearly 60% of their kids believe otherwise. These gaps in communication don’t just stop at insurance; they show up in retirement planning, healthcare costs, and legacy decisions too.
From my experience working with Texas families, one of the most effective ways to address this is to gather everyone together—ideally once a year or after any major life change—to talk through protection, long-term goals, and important choices. Starting these conversations early and keeping a clear record of decisions can truly make a difference. Bringing a trusted financial professional into the discussion can help everyone feel more confident and informed. My passion is making these topics approachable, so families have the clarity and peace of mind they deserve.
