Coverage Basics · Featured
How Much Life Insurance Do I Need? A Simple Framework for 2026
The "10× your income" rule is a starting point — not an answer. Here's a practical, five-minute framework that gets you to a number you can actually defend, with real examples for single parents, dual-income couples, and empty nesters.
Quick formula
D + I + M + E
Debt you'd leave behind
Income replacement (5–10 yrs)
Mortgage balance
Education costs for kids
Income replacement (5–10 yrs)
Mortgage balance
Education costs for kids
Coverage Basics
Term vs. Whole Life: Which One Actually Fits Your Life?
A clear, honest breakdown of the two main life insurance products, with real costs, the "buy term, invest the difference" debate, and a three-question decision tree.
Young Families
Life Insurance for Young Families: A 10-Minute Starter Guide
What new parents should know about term length, coverage amount, riders, stay-at-home parents, and the one mistake most 30-somethings make with employer group coverage.