Question:
❓What’s one common thing people forget to include when calculating their life insurance needs?
A) Childcare or household help
B) Mental health support (therapy, grief counseling)
C) Time off work for your spouse or partner
D) All of the above
Answer:
✅ D) All of the above
Here’s why:
When most people think about life insurance, they focus on the big stuff—mortgage, debt, college, income replacement. And yes, those things matter.
But what actually hits hardest after a loss?
It’s the everyday stuff.
The fact that your spouse might need time off work just to keep it together.
That someone might need to be hired to help with meals, homework, or daycare.
That your kids might need therapy—or your partner might, too.
That grief doesn’t follow a financial plan.
These aren’t extras. They’re part of protecting your family.
The right coverage doesn’t just replace your paycheck. It creates space—for your family to process, adjust, and figure out their new normal without rushing or falling apart.
