Story at-a-glance Don’t guess your life insurance needs—use a clear, step-by-step calculation instead of one-size-fits-all rules.Start by identifying actual needs, including debts, final expenses, future goals, and your family's lifestyle expectations.Quantify both immediate and long-term

Story at-a-glance 48% of American families lack life insurance—coverage is at a 50-year low (LIMRA).Life insurance is critical during tough economic times, yet many skip it due to cost.Learn 4 smart ways to save on life insurance: calculate only what you need, shop rates, pay annually, and