09/24/2026
“How much life insurance do I actually need?” It’s one of the most common — and most important — questions employees ask. 💭🛡️
A few rules of thumb can help:
📌 **Start with 5–10x annual income**
This helps cover long‑term needs like mortgage payments, childcare, and everyday expenses.
📌 **Factor in major debts**
Home loans, car payments, and student loans should be part of the equation.
📌 **Consider future goals**
Think college savings, protecting a spouse’s retirement, or maintaining family lifestyle.
📌 **Review coverage during major life changes**
Marriage, a new baby, buying a home — all are perfect times to reassess.
Life insurance isn’t one‑size‑fits‑all, but thoughtful planning helps employees feel confident their families are protected.
At ECG Insurance, we help employers across Wichita, Kansas, and the Midwest make life insurance benefits clearer and easier for their teams. 💙