It’s surprising how many families haven’t really talked about life insurance in depth—about 80% haven’t had that conversation, according to recent surveys. I see this all too often: adult children think their parents have coverage (almost 60% believe it’s in place), but in reality, only around 45% of parents actually do. This disconnect doesn’t just stop at insurance—it often shows up in retirement planning, healthcare costs, and conversations about legacy, too. One thing I recommend is setting a time, at least once a year or after big life changes, for the whole family to get together and review where things stand: protection, goals, and any important decisions. Starting these conversations early and getting everything documented can make a world of difference in keeping everyone on the same page. And when you bring in a financial professional, you add clarity and peace of mind—something I strive for with every family I work with here at PineCrest Insurance.
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