Concepts You Need to Know
Human life value
The present value of all future income your family would lose if you died today. For a 35-year-old earning $80k, this often exceeds $1.5M.
Dual income protection
Both earners in a household need coverage. If one stays home, replacing their childcare, household management, and eventual return to work has a real dollar value.
Estate planning basics
A will, power of attorney, and healthcare directive. Without these, the state decides what happens to your money, your kids, and your life. Not optional.
Take Action Now
1
Review and increase life insurance to 10–12x combined household income.2
Create a will and name guardians for any children.3
Set up a UTMA/UGMA account or 529 plan for kids' education.Want a personalized plan?
Connect with a licensed agent who can apply these concepts to your specific numbers.
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