Most people are shown a product before anyone has established what the actual financial problem is.
Run the Needs AnalysisNot a rule of thumb — what their actual obligations and income needs would be, for how long.
The number should come from your situation, not from a multiple of salary.
The runway you already have is the starting point. Often it's longer or shorter than expected.
Mortgage, debt, education, care for a dependent, a surviving spouse's retirement — each has a different time horizon.
Is it performing as illustrated, is it still appropriate, and can it be improved or restructured?
Is it appropriate? What problem is it solving, what does it assume, and what are the alternatives?
Liquidity, equalization among heirs, and coordination with the documents your attorney has already drafted.
All three are common. All three are expensive in different ways.
A structured look at income replacement, debt, education, childcare and an emergency reserve — measured against what you already own. It produces a number and the reasoning behind it, not a recommendation and not a quote.
Run the Needs AnalysisThe useful question isn't how much coverage to buy. It's what happens financially if the risk occurs and nothing has been put in place.
· Capital required to replace lost family income
· Obligations that would remain after a death
· Education and care costs still ahead
· An estate-liquidity shortfall
· A surviving spouse's retirement gap
· Existing coverage that lapses before it's needed
Once the exposure is quantified, the alternatives can be compared against something real.
If the situation is complex or unclear, the first conversation is to understand it and see whether we can help.
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