Let’s Start With the Real Question:

Most people don’t wake up thinking, “I need to buy life insurance today.”
They wonder something far simpler:

“Does this even apply to me?”

And if that’s where you are right now, you’re not alone. In fact, it’s the #1 question Floridians ask us before anything else, before price, before product, and even before coverage amounts.

This guide is designed to give you honest clarity, not pressure. By the end, you’ll know whether life insurance should be a priority for your family, or something you can revisit later.

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What Life Insurance Really Does

Life insurance isn’t about the scary “what if.”
It’s about protecting the people who would struggle financially if you weren’t here.

At its core, life insurance does two things:

1. Replaces lost income, so your family can maintain stability.
2. Covers major expenses, like mortgages, childcare, debt, or final costs life a funeral.

It gives your family time… time to grieve, time to adjust, and time to stay on their feet without being forced into immediate financial decisions.

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A Simple Way to Know If You Need Life Insurance

Here’s the easiest test:

Does someone rely on your income, support, or contribution to the household? Do you have any debt?

If the answer is yes, then life insurance is worth serious consideration.

Most people who need life insurance fall into these groups:

• Parents (even if you’re young or a single parent)
• Married couples or domestic partners
• Homeowners with a mortgage
• Anyone who contributes financially to their household
• Business owners
• Caregivers supporting aging parents
• Anyone without large savings to cover final expenses

And this one surprises people:

Stay-at-home parents need life insurance too.

Their role has a massive financial impact (childcare alone in Florida averages over $10,000 a year).

If you fall into any of these situations, life insurance is not just relevant, it’s critical.

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What If You Don’t Need It?

There are situations where waiting is totally fine:

• You’re young, single, and no one depends on you
• You have no debt and low monthly expenses
• You have strong savings or assets to cover final costs
• You currently have no children, spouse, or dependents

Even then, here’s the only consideration:
Life insurance is cheaper when you’re young and healthy, so locking in a low rate early can save thousands over your lifetime. Today is always the best time to get life insurance, it is always the least expensive it will ever be today.

There are are a lots of major opportunities that open up when you get your life insurance younger.

This guide is about clarity, not pressure.

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The Biggest Myths (And the Truth Behind Them)

Myth #1: “Life insurance is expensive.”

Truth: Many policies cost less than a daily coffee.
(Seriously, you might be surprised!)

Myth #2: “I get enough from work.”

Employer policies often provide only 1–2× your salary.
This is often times not enough. There is a common calculation we use to determine how much you need and if you need more than what your employer beneifts offer.

Myth #3: “I’ll do it later.”

The longer you wait, the more it costs.
And if health conditions appear, it can become much harder to qualify.

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How Much Coverage Do You Need?

While everyone’s situation is unique, here’s a quick starting formula:

L.I.F.E. Method

• Loans and Liabilities (Debts)
• Income replacement
• Final Expenses & Funeral Costs
• Education for Kids and Estate Planning

When we work with families, we walk through these numbers together in a simple conversation, no pressure, just real talk. We evaluate how much insurance you need, what coverages and assets you currently have, and help you make a determination on what solutions fit your goals.

Where Should You Start?

If you’re reading this and thinking:

• “I probably need this…”
• “I’m not sure what type to get…”
• “I don’t want a sales pitch.”

Then you’re the exact kind of person we built Tueri Insurance for.

We help Florida families understand their options clearly, choose only what they need, and avoid overpaying for things that don’t serve them.

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Give us a call and let our Insurance Consultant Guardian give you the insights you need or use this information to help your family! In short, make sure you get the protection your family deserves.

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