🛡Insurance
Do You Actually Need Life Insurance?
A needs-based framework — not a fear-based sales pitch.
Most people either have too little, too much, or the wrong type of life insurance. The right answer starts with a question: who would be financially harmed if you died?
10–12×annual income is the common starting benchmark for life insurance coverage — but your specific obligations, assets, and dependents determine whether you need more, less, or none