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How Much Life Insurance Do You Actually Need?

Written by Nathan Kurtin—Co-Owner, Executive Vice President

September 1, 2025 · Life, · Personal Lines

Blog How Much Life Insurance Do You Actually Need?

Life insurance is one of the most thoughtful ways you can prepare for the unexpected. It helps protect your loved ones financially, covering everything from day-to-day expenses to long-term goals—like staying in the family home or saving for college—if you’re no longer there to provide for them.

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Please note: coverage cannot be bound or altered online. A service representative will need to contact you to finalize your request.

But here’s the big question: how much life insurance is enough?

It’s a common question. In fact, while 52% of American adults have some life insurance, 41% say they don’t have enough, whether they’re insured or not. And 44% of households say they’d face financial hardship within six months of losing the primary wage earner. For 28% of those households, financial hardship would hit in just one month.

That’s where a little planning goes a long way.

Start With a Simple Checklist

Deciding how much life insurance you need doesn’t have to be complicated. Our Life Insurance Planning Checklist walks you through a few key questions to help you estimate the right amount of coverage for your situation.

It’s not a one-size-fits-all process—but this checklist is a great starting point.

Download the Life Insurance Planning Checklist »

Need Help Along the Way?

Life insurance can be a surprisingly simple part of your financial plan, especially when you have someone guiding you. Whether you’re buying a new policy or thinking about increasing your current coverage, Leavitt Group Texas Select is here to help.

References

https://www.limra.com/en/newsroom/news-releases/2023/new-study-shows-interest-in-life-insurance-at-all-time-high-in-2023/
https://www.forbes.com/advisor/life-insurance/life-insurance-statistics/

Have questions? Contact:

Nathan Kurtin

Nathan Kurtin

Co-Owner, Executive Vice President

Call: (713) 978-7811

I started in the insurance industry with my first job out of college at a family-owned insurance business in Houston, Texas. The office was very small, but it felt like home and was an amazing place where I built my foundation in insurance.

In 2001, I was fortunate to start my own agency with Nationwide, and from 2001 to 2024, I owned and operated Kurtin Insurance and Financial Services. Over those years, I had the pleasure of working with many clients who became friends and many employees whom I consider family.

In 2024, my agency affiliated with Leavitt Group Texas Select, where I’m currently responsible for leading our personal insurance department. I feel blessed to continue working with my clients and many of my Kurtin Insurance employees (family) who came to Leavitt Group with me.

I grew up in a small central Texas town and graduated from Texas A&M with a degree in industrial distribution. Community involvement is important to me, so I stay active by being part of St. John Vianney, the Knights of Columbus, and the FIND Discipleship group.

My wife and I have been married for over 23 years and love doing life together. In my free time, I enjoy tennis, golf, hunting, fishing, and traveling.

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Read Nathan's full bio

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