Determining how much life insurance you need can feel overwhelming, but February is a great time to get clarity. As families review budgets, tax documents, and financial plans early in the year, it’s the perfect opportunity to evaluate your long-term protection.
The right amount of coverage depends on your goals. Most financial advisors recommend enough to replace 7–10 years of income, but personal circumstances may require more or less. Consider your mortgage, outstanding debts, childcare costs, education funding, and everyday expenses.
If you recently had a major life change—like marriage, buying a home, or welcoming a child—you may need to increase your coverage. Employer-provided life insurance is a nice benefit but often isn’t enough to protect a family fully.
Term life insurance is an affordable option for most households, while permanent policies offer lifelong protection and potential cash value benefits. Reviewing both can help you find the right fit.
A quick conversation with us can make it clear that your life insurance aligns with your responsibilities and future goals, giving your family valuable comfort and security.
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