Life insurance provides financial protection for your loved ones after you're gone. It can replace lost income, cover debts and expenses, fund education, and ensure your family can maintain their standard of living.

The right amount depends on your unique situation. Factors include your income, debts, future expenses (like education), and family needs. Rafael can help calculate the appropriate coverage through a detailed needs analysis.

While workplace coverage is valuable, it's often insufficient for complete protection and typically ends if you change jobs. A personal policy ensures continuous, adequate coverage regardless of employment changes.

Term insurance provides coverage for a specific period (10, 20, 30 years) at lower initial premiums. Permanent insurance offers lifetime protection with additional features like cash value growth but at higher premiums.

Many people overestimate the cost of life insurance. Premiums are based on factors like age, health, and coverage amount. Term insurance, in particular, can be very affordable—often less than your monthly streaming subscriptions for significant protection.