thanks for taking a few minutes to chat with me today.

Before we talk numbers, I just want to understand your situation a little better so I can see what actually makes sense for you.

Do you currently have any life insurance coverage in place?

Okay. And if something unexpected happened to you tomorrow, would your family be financially okay for the next few years?

Most people assume savings or work benefits are enough, but when we actually break down mortgage payments, debt, childcare, and income replacement, there’s usually a pretty significant gap.

What I help people do is make sure their family doesn’t have to sell the house, drain retirement savings, or completely change their lifestyle during an already difficult time.

How old are your kids now?

And do you still have a mortgage?

Right. So typically what we look at is:

covering the mortgage, replacing several years of income, handling funeral and final expenses, and leaving enough flexibility so your family has breathing room. For someone in your age range and health category, you’d probably be surprised how affordable coverage can be. A lot of clients expect hundreds per month, but many plans end up closer to what people spend on streaming services or eating out.

There are generally two routes:

Term insurance, which gives you high coverage at a lower cost for a set period of time, or permanent insurance, which lasts your entire life and can build cash value over time. Based on what you’ve told me, I’d probably start by showing you a term option first because it gives the most protection for the dollar.

If it’s okay with you, I can run a few quick numbers and show you what coverage would look like.

… I would expect they try to leave halfway, but follow them and keep at it.