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Life Insurance 8:30
Do You Have a Life Insurance Gap? How to Find Out
Walk through the 5-component gap analysis — income replacement, debt payoff, education funding, final expenses, and estate planning — to see if you're underinsured.
Key Takeaways
- The average American is underinsured by $200,000+ according to LIMRA.
- Income replacement: multiply your annual income by 10–12 as a starting point.
- Don't forget to include mortgage payoff, college funding, and final expenses in your calculation.
- Group life through your employer is typically 1–2x salary — rarely enough for a family.
Life InsuranceGap AnalysisCoverageUnderinsured
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