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Blog 3 - How Much Life Insurance Coverage Do You Need?

August 29, 20252 min read

How Much Life Insurance Coverage Do You Need?

“How much coverage do I actually need?”

It’s a great question, and the truth is, there’s no one-size-fits-all answer. Everyone’s situation is different, which means the right amount of life insurance for you depends on two big factors:

  • Your Health Information – things like age, medical history, and lifestyle.

  • Your Financial Goals – what you want your coverage to accomplish for your family.


A Simple Checklist to Get You Started

If you’re feeling overwhelmed by the details, you’re not alone. That’s why I created a quick checklist to help you think through the essentials:

Click Here to Download the Qualification Checklist

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This simple tool breaks down the questions I ask when building a custom quote, so you can start with a clear picture of what matters most.


See the Process in Action

Ever wondered what happens behind the scenes when I create your life insurance quote?

Watch this 1-minute video

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Free Budget Planner

For many people, the biggest barrier to getting life insurance isn’t the decision; it’s the budget. If you’ve ever thought, “I just can’t afford it right now”, you’re not alone.

That’s exactly why I created the Free Budget Planner. Inside, you’ll find:

  • A Coverage Calculator Worksheet that shows you exactly how much life insurance premium can realistically fit in your budget

  • A Budget Audit Checklist to spot where your dollars are going

  • A Monthly Budget Planner that follows the 70/10/10/10 rule—helping you balance needs, wants, savings, and protection

Click Here to Get Your Free Budget Planner

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Ready to Talk?
If you’ve been putting off life insurance because of cost, let’s talk.

Book A Call Below

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Or you can call/text me at (804) 539-6397 or email me at [email protected]

Stacy Gregory
Your Trusted Life & Health Insurance Advisor
Serving individuals, families, and small businesses across

Stacy Gregory is a Licensed Life & Health Insurance Advisor with over 17 years of experience helping individuals, families, and small businesses protect their future. Based in Richmond, Virginia, she specializes in life insurance, Medicare, and health insurance solutions that are clear, simple, and tailored to each client’s needs. Stacy’s mission is to give her clients clarity, confidence, and coverage that truly fits their lives so they can focus on what matters most.

Stacy Gregory

Stacy Gregory is a Licensed Life & Health Insurance Advisor with over 17 years of experience helping individuals, families, and small businesses protect their future. Based in Richmond, Virginia, she specializes in life insurance, Medicare, and health insurance solutions that are clear, simple, and tailored to each client’s needs. Stacy’s mission is to give her clients clarity, confidence, and coverage that truly fits their lives so they can focus on what matters most.

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