What Happens to Your Family’s Finances If You Don’t Wake Up Tomorrow?

Why Life Insurance Matters More Than You Think

Life insurance isn’t about you. It’s about them — the people you love most. If your paycheck stopped tomorrow, a policy can keep life stable while your family has time to grieve and adjust.

• Mortgage Protection — keep the house and neighborhood stability.
• Debt Coverage — no lingering loans, medical bills, or credit cards.
• Income Replacement — everyday expenses covered during tough transitions.
• Final Expenses — avoid the sudden $7,000–$15,000 burden.
• Future Plans — childcare, education, and long-term security.

How Much Coverage Do You Really Need?

There’s no one-size-fits-all answer, but these simple guidelines help:

• Start around 10× your annual income for a quick estimate.
• Add debts and future costs you wouldn’t want your family to shoulder.
• Remember: younger = cheaper. Locking in rates early can save thousands.

Myth vs. Fact

• Myth: Life insurance is too expensive.
  Fact: Many healthy adults can get covered for less than a cup of coffee a day.
• Myth: I’m young; I don’t need it yet.
  Fact: The earlier you start, the lower the rate — forever.
• Myth: Work coverage is enough.
  Fact: Employer policies are usually 1–2× salary and may not follow you if you switch jobs.

Still Unsure? Start With a Conversation

There’s no pressure. We’ll talk about your goals, your budget, and whether coverage makes sense right now.