Why Life Insurance Should Be on Your To-Do List
- Katherine Gil Suro
- Sep 30
- 2 min read
When most people think about financial planning, they think about saving for retirement, paying down debt, or maybe setting aside money for emergencies. But there’s one essential piece of the puzzle that often gets overlooked—life insurance.
Life insurance isn’t just for parents, homeowners, or people with a lot of debt. It’s a smart financial tool for anyone who wants to protect the people they love and provide peace of mind for the future.
Why Life Insurance Is So Important
Life insurance creates a safety net for your family if something unexpected happens to you. It helps cover things like:
Daily living expenses (rent, groceries, utilities)
Mortgage or other debt payments
College tuition or childcare costs
Final expenses like funeral costs
Instead of your family struggling to make ends meet, life insurance provides them with stability during one of the hardest times imaginable.
It May Be More Affordable Than You Think
A lot of people put off life insurance because they assume it’s too expensive. The truth? Life insurance can be surprisingly affordable.
For example, a healthy 30-year-old could get a policy that provides hundreds of thousands of dollars in coverage for less than the cost of a daily cup of coffee. Premiums vary based on age, health, lifestyle, and coverage amount, but in most cases, the earlier you start, the more affordable your rates will be.
How Much Coverage Do You Really Need?
That’s the big question, right? The answer is different for everyone—and that’s why
are so useful.
These tools take into account your income, expenses, debt, and family needs to help you figure out how much protection is right for you. A good rule of thumb is to cover 10–15 times your annual income, but calculators can personalize the number based on your exact situation.
Taking the First Step
The best time to get life insurance is always sooner rather than later. Rates typically go up as you get older, and your health can affect your eligibility.
At Kathy Gil Agency, we make the process simple. Whether you’re just curious about costs or ready to put a policy in place, we’ll walk you through your options and help you find coverage that fits both your budget and your family’s needs.
✅ Ready to explore your options? Contact us today to get a personalized quote or use our calculator to see how much life insurance coverage you may need.
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