It tickles me when I come in contact with a client that replies about their life insurance protection as ..."No, I'm good"... Thinking their $50K death benefit is enough to take care of things if their number is called.
My simple response is "WAKE UP!!"..
Please realize life insurance protection is made up of two primary variables. The first is your immediate cash needs comprising of the cost of a funneral, paying off debt- Including mortgage, credit cards, student loans, etc...
Have we reached $50,000 yet? You bet we have...
Other immediate cash needs are...

