The week we brought our daughter home, I remember sitting on the nursery floor at 2 a.m., half-asleep, doing math on my phone instead of sleeping. Not baby-formula math. Life insurance math. If something happened to me, or to my husband, could the other one actually keep this house, this daycare, this life, running…
Read MoreEvery few months, a friend in their early 30s texts me some version of the same question: "An agent I met at a work event says I need whole life insurance instead of term. Is he right?" And every time, my answer starts the same way — it depends on what problem you're actually…
Read MoreAsk most couples who's the "insured one" in their household, and they'll point to whoever brings home a paycheck. The stay-at-home parent — the one running daycare pickup, meal planning, doctor's appointments, and roughly a thousand other unpaid logistics — often ends up with a small policy, or none at all. It's an easy…
Read MoreNobody wants to think about how a life insurance claim works while they're buying the policy, and almost nobody reads up on it until they're the one filing a claim — usually while grieving, which is a genuinely terrible time to be learning a new process. So let's walk through it now, while there's…
Read MoreWhen you work for someone else, life insurance often just... happens. HR enrolls you during onboarding, a small policy shows up as a line item on your benefits summary, and you never think about it again — until you leave the job and realize that policy walked out the door with you. Freelancers and…
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