Two brothers' buy-sell agreement went to the Supreme Court because nobody had updated the company's value in years. If your agreement was correct in 2014, it can actively hurt your family in 2026. When was yours last updated? #LIAM2026

Social Security's death payment is $255, one time. Survivor benefits don't start until 60 (or 50 with disability, or any age with a kid under 16). A 44-year-old widow with a 17-year-old falls in a 16-year gap with no survivor income. Know the rules first. #LIAM2026

5/ Which of your holdings still work once you are no longer the one deciding?

DM me to book a consultation. No pitch, just a clear read on where you stand.

#LIAM2026 #LifeInsuranceAwarenessMonth

A veteran carried a disability rating for 8 years, died of something unrelated. His wife didn't qualify for DIC, he was 2 years short of the 10-year rule. Even when families qualify, the benefit often covers a third of monthly expenses. Know your effective date. #LIAM2026

5/ What could your household reach in ninety days with no signature from a stranger? DM me to book a consultation. No pitch, just a clear read on where you stand.

#LIAM2026 #LifeInsuranceAwarenessMonth

Military spouse coverage tops out at $100K. Replacing what she does while you're deployed often runs $4-6K a month. That number came from a program, not your family. What would it actually cost your household to replace her? #LIAM2026

Veterans: whatever coverage you carry on your last day in uniform becomes your ceiling on the VA side, not a starting point. You get 240 days after separation to convert with zero health questions. After that you have to prove you're healthy. Know your dates. #LIAM2026

4/ That obligation never shows up in a retirement projection. Ask where the money comes from in the first ninety days, and whose money it is.

Message me to set up a consultation. Straight analysis, no pitch.

#LIAM2026 #LifeInsuranceAwarenessMonth

She said, I'm not the one making the money, so I don't need coverage. But replacing what a stay-at-home spouse does runs $4-5K a month, and her husband's income takes a hit too. The question isn't who earns it. It's what you'd have to buy if she were gone. #LIAM2026

5/ When the structure you built around your child ends, what takes its place?

Send me a message and we will set up time to review what you have in place.

#LIAM2026 #LifeInsuranceAwarenessMonth

A nurse earning $185K had $370K in group life insurance. Her mortgage alone is $410K. The gap isn't about income, I see it at $95K and at $950K. If you died this week, what would your household need yearly, and for how many years? Message me your number. #LIAM2026

5/ Pull your credit agreement tonight. Whose name is inside, and what happens to the company the day that name is unavailable?

Message me directly if you want an honest analysis of what you have in place.

#LIAM2026 #LifeInsuranceAwarenessMonth

Cash on hand covered two months. The rest of the estate sat in land and closely held interests. Bills keep their own calendar after a death, and families sell the asset they meant to keep. Message me for a straight read on what you own.

#LIAM2026 #LifeInsuranceAwarenessMonth

That annual statement you file without opening shows where your coverage stands today, measured against the assumptions from the year you signed. A policy ages alongside you. Message me for an honest read on yours.

#LIAM2026 #LifeInsuranceAwarenessMonth

That annual statement in the drawer has answers in it. Coverage can drift for years while the premium clears every month without fail. An in-force review reads what you actually own today. DM me and we will go through it together.

#LIAM2026 #LifeInsuranceAwarenessMonth

He'd owned the policy since his oldest was in diapers. She starts college next fall. He knew the draft date and the beneficiary name, nothing else. Coverage bought for one chapter, never revisited. DM me and we'll book a consultation. No pitch, just clarity.

#LIAM2026 #LifeInsuranceAwarenessMonth

A widow waited on a trustee she'd never met to access her husband's coverage. Everything was drafted correctly. Nobody had asked whether she was the person the trust was built to protect. Read your beneficiary line. DM me for a consultation.

#LIAM2026 #LifeInsuranceAwarenessMonth

He named his 8-year-old daughter as beneficiary. Carriers can't pay a minor, so a probate court appointed a guardian to hold the money until she turned 18. A thirty-second line on a form that took years to undo. Message me for an honest read on yours.

#LIAM2026 #LifeInsuranceAwarenessMonth

The form beats the will.

A beneficiary designation signed during a divorce in 1998 still pays whoever is named on it. The current will has no vote in that.

When did you last read the name on line one?

Message me and we will look at what you own.

#LIAM2026 #LifeInsuranceAwarenessMonth

Two partners signed a buy-sell agreement. Eleven years later, one died on a Tuesday.

The document said the survivor buys his interest. The funding was never put in place. His widow held a signed contract nobody could pay.

DM me for a consultation.

#LIAM2026 #LifeInsuranceAwarenessMonth