Before a pilot ever leaves the ground, they run a checklist. Think of this as a quick financial checklist for your family. We'll look at what your family may need, what you already have, and whether there's a difference between the two. It only takes a few minutes, and you'll have a much clearer idea of where you stand when you're finished.
“Preparation creates peace.”
Step 1 of 4Your household
1
Your household
The people who count on you.
2
Your numbers
Next, we'll look at the financial pieces that help us estimate what your family may need.
✈
Based on what you entered, here's your estimate.
Income replacement$0
Mortgage$0
Other debts$0
Final expenses$0
Education fund$0
Total protection needed$0
Coverage you already have$0
Estimated difference
$0
Between the coverage you have and what your family may need. If there's a difference, don't panic. It doesn't mean you need to buy exactly this much. There are usually a few ways to approach it depending on what you already have, what matters most, and what fits your budget. That's what Keith helps you figure out next.
This Preflight is an educational starting point, not a quote or a policy illustration. Actual coverage and cost depend on underwriting, the carrier, and the plan we choose together. The exact fit comes next.
3
What fits your life
A comfortable monthly number, and what matters most to you.
Life insurance should fit your actual budget, so tell us what feels comfortable each month. This doesn't lock you into anything. It just helps Keith show you options that make sense within that number. And if covering everything at once isn't realistic, that's okay. Tell us what matters most to you right now.
4
One last step
If we end up talking, a little information now makes our conversation more useful for you. Share whatever you're comfortable with, and leave anything blank to talk through later.
Please don't enter Social Security numbers, bank details, or full medical records here. A short note is plenty. This goes straight to Keith, is never shared or sold, and you can skip anything you'd rather talk through on the call.
✉
Send it to Keith
So I can review before we talk.
This goes straight to Keith at keith@spencerlifeagency.com so he can prepare for your call. It is never shared or sold, and it isn't posted anywhere public. See the Privacy Policy.
Want to talk through your results?
If you'd like help making sense of your estimate, book a free 30-minute call with Keith. He'll look at what you already have, what your family may need, and whether there's anything worth changing. If there is, he'll walk you through your options and what they'd actually cost. If you're already in good shape, he'll tell you that too.