06/19/2026
Most people set up their life insurance once, years ago, and never looked at it again.
I sat down with the life insurance professional I refer my clients to and asked for the version they give their own friends. No pitch.
The thing that stuck with me was a question they said almost nobody walks in having asked themselves. If something happened to you, could your family actually stay in this house. Not cover the mortgage for a couple months. Stay. Without pulling the kids out of school or selling under pressure.
They said that one question changes everything. It turns insurance from some vague product into a tool with an actual job. And the most common mistake they see isn't people buying the wrong kind. It's people buying about a quarter of what their family would actually need, because the bigger number felt scary the first time they saw it. Then they never revisit it.
The families who feel calm about this almost never have more money than everyone else. They just have one person looking at the whole picture instead of five people each watching one slice.
If you're buying, selling, or refinancing, DM me and I'll connect you with the person who walked me through all of this.