The questions I hear most.

7–12×How far people overestimate what life insurance costs. Even the youngest and healthiest applicants, the cheapest in the country to insure, guess high by that much.[1]

~100MAmerican adults say they need life insurance, or more of it than they have.[2]

No jargon, no sales pitch — just the answers I'd give you on the phone. If yours isn't here, ask me directly.

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How Much Life Insurance Do I Actually Need? Rules of thumb aren't answers. Funeral and cemetery costs, income replacement, and living benefits — how to size a policy to what you actually want it to do.
I Have Life Insurance Through Work. Isn't That Enough? Employer life insurance usually ends when the job does, and the amounts are often far below what a family needs. What group coverage does and doesn't do.
Can I Get Life Insurance With a Health Condition? Very often, yes. Carriers underwrite conditions differently — one may decline what another accepts at standard rates. How to approach coverage with a health history.
What Does Working With an Insurance Agent Cost? Nothing. Independent agents are paid by the carrier, and you pay the same premium either way. How agent compensation actually works.
Term or Whole Life Insurance — Which Should I Get? Term gives maximum coverage per dollar for a set period. Whole life lasts for life and builds cash value. Which one fits depends on what the coverage is for.
What Happens to My Policy if I Move to Another State? Your life insurance policy moves with you. What changes, what doesn't, and what to review when you relocate — including Medicare, which works differently.
When Can I Enroll in Medicare? IEP, AEP, OEP and SEP Explained Medicare has several enrollment windows — Initial, Annual, Open, and Special Enrollment Periods. Which one applies to you, and what happens if you miss it.
Medicare Supplement or Medicare Advantage — Which Is Better? Medigap offers any-doctor freedom and predictable costs at a higher premium. Advantage offers low premiums and extra benefits within a network. How to choose.

Fewer households are covered now than a generation ago.

Share of American adults who own life insurance.

201163%

202652%

Eleven points in fifteen years, while household debt and the cost of a funeral both climbed. That gap does not show up as a statistic in anybody’s life. It shows up as a family discovering, in the worst week they will ever have, that there is nothing there.[2]

Weeks, not monthsA death benefit with a living named beneficiary is paid straight to that person. It never enters probate, the court cannot hold it up, and creditors of the estate cannot reach it. A beneficiary designation also overrides whatever a will says, which is exactly why an out-of-date one is worth ten minutes of your time.[3][4][5]

Sources

All the research I use, in one place: the numbers.

Life Happens, They Don’t Understand Life Insurance and Overestimate Its Cost, from the 2025 Insurance Barometer Study — lifehappens.org ↑
LIMRA & Life Happens, 2026 Insurance Barometer Study — limra.com ↑
MoneyGeek, Does Life Insurance Go Through Probate?, 2026 — moneygeek.com ↑
Statewide Probate, Are Life Insurance Proceeds Assets in Probate? Florida Law Guide, 2026 — statewideprobate.com ↑
Internal Revenue Code §101(a), income-tax treatment of death benefits, and §7702A, modified endowment contracts. ↑

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