Lifeinsurance,straight.

Straight answer: plenty of people don't. If nobody depends on your income or your labor, no kids, no mortgage, no partner who'd struggle, you probably don't need much. The second somebody does depend on you, you do. It's not age and it's not income. It's whether somebody's life is financially worse if you're not in it.

That's the whole test. Book a call.

At 60, you're buying it with 60-year-old health. Whatever's in your chart by then is in the price. What you're actually buying is the health you have today, the version of you that exists right now. I know guys my age who can't get what they want now because of something that showed up at 32.

It's not a thing you get around to. It's a thing that gets more expensive to get around to. Book a call.

Every week, somebody guesses what this costs, and they're rarely close. They almost always guess high. Way high. And they've been putting off a decision for years based on a number they made up. I'm not going to tell you what yours costs, because I don't know your health, and anybody who quotes you before they ask is guessing too.

The guess in your head is probably wrong, and it's been wrong for years. Book a call.

If you talk to me, you're going to get asked a lot of questions before you get a single number. Some people find that annoying. Here's why. Anybody who quotes you before they know your health is guessing, and that guess will change when the real number comes out.

I'd rather take longer and tell you the real thing once than tell you a nice thing now and a different thing later. Book a call.