4/ Which of your policies matches what your family faces today? DM me and we'll schedule a consultation and policy analysis. I'll walk through what you own and what it does.

#LIAM2026 #LifeInsuranceAwarenessMonth

Life Insurance Awareness Month is ending. Five questions: what would your household need if you died this week? When does your conversion window close? Could you fund your buy-sell tonight? Who's on your beneficiary form? Reply with the number that got you. #LIAM2026

I ask retired clients: if I could guarantee your kids get a specific number, what would you finally do with the rest? The answers come fast, the trip, the truck, helping the grandkids now. They already knew. They just needed permission. #LIAM2026

5/ DM me to book a consultation and get a clear read on where you stand. #LIAM2026 #LifeInsuranceAwarenessMonth

If your business partner died tonight, is there money behind your buy-sell agreement, or just a promise? I watched a two-partner shop lose the bank's confidence and sell for less than it was worth. The cost of funding it is based on your health today. #LIAM2026

A dentist bought a policy on price 8 years ago. When he needed it to fund a partner buyout, the structure was wrong, the beneficiary was wrong, the term expired before the loan did. A quote isn't a plan. What is the money actually supposed to do? #LIAM2026

5/ Would your pledge survive your worst two years, or only the best-case estate you're picturing? Message me directly and we will set up a consultation.

#LIAM2026 #LifeInsuranceAwarenessMonth

Sign an existing policy over to a trust and die within 3 years, the whole death benefit lands back in your taxable estate. A policy the trust applied for and owned from day one avoids that clock entirely. Order of operations is everything. #LIAM2026

A dad left his daughter $900K in a retirement account. New rules mean she has to empty it within 10 years, at her top tax bracket, during her highest-earning decade. You have options while you're alive that your kids won't have once they inherit it. #LIAM2026

Would you know if that door already closed on something you meant to check? DM me and we'll set up a consultation.

#LIAM2026 #LifeInsuranceAwarenessMonth

A sales exec making $240K had health insurance, retirement, disability, and life insurance, all tied to his job. His division reorganized. For 7 months his family had almost no life insurance. Check what happens to your group coverage the day you leave. #LIAM2026

5/ When did you last confirm what's actually written on that beneficiary line, yours or a client's? Message me directly if you want an honest analysis of your current coverage.

#LIAM2026 #LifeInsuranceAwarenessMonth

Buy term and invest the difference is mostly right, except almost nobody invests the difference. And the advice assumes your need for coverage ends when the term does. Some people's obligations follow them past 65. Which are yours? #LIAM2026

A guy came to me wanting permanent life insurance. I told him not to buy it, his term policy already covered his shrinking obligations. Permanent solves specific problems: a business partner, a spouse facing years of taxes alone, a promise to your kids. Do you have one? #LIAM2026

4/ Getting healthier before applying feels responsible. It can quietly cost you the class you already had.

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

#LIAM2026 #LifeInsuranceAwarenessMonth

5/ If your doctor called tomorrow, would your current coverage fit the life you have now? Send me a message and we'll set up a consultation.

#LIAM2026 #LifeInsuranceAwarenessMonth

Most term policies let you convert to permanent coverage with no health questions, but that option usually expires years before the policy does. Find your policy this week. Search for the word conversion. Write down the date. #LIAM2026

4/ Picture this Thursday. What could your family spend by the 30th? Send me a message and we'll set up a consultation to walk through what you actually own.

#LIAM2026 #LifeInsuranceAwarenessMonth

If you lost a spouse in the last 2 years, Medicare may be overcharging you. Premiums are based on your return from 2 years ago, before your income or filing status changed. Form SSA-44 fixes it. Two pages, free, most people never file it. #LIAM2026

5/ Providing for people you will not be here to meet takes its own question. Ask it out loud while you can.

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

#LIAM2026 #LifeInsuranceAwarenessMonth