The Human Life Value You Need for Your Family

The Human Life Value You Need for Your Family (And Why Convertible Term Insurance Matters)

Let’s have a real conversation—no fluff, no salesy pitch—just a straight talk about something every family needs to hear: your Human Life Value. What is it? And why should you care?

Let me start with this: if something were to happen to you tomorrow, how would your family be impacted financially?

Tough question, I know. But that’s the point.

We spend our lives building—raising kids, running businesses, serving in our communities, earning an income. But here’s what most people never stop to calculate: what is the economic value of your life to your family?

That’s your Human Life Value—a concept that measures the financial contribution you make over your lifetime. It’s the money you bring in, the lifestyle you provide, the education you help pay for, the future you’re building for your family. And if you’re not protecting that value, you’re leaving your loved ones exposed.

Let me break it down with a simple example.

If you’re 35 years old making $100,000 per year, and you plan to work for another 30 years, your Human Life Value is at least $3 million—not even counting raises, bonuses, or your side hustle. Now ask yourself this: do you have $3 million of protection in place if something happens to you?

Most people don’t. They’re drastically underinsured. And that gap is what puts families at risk—risk of losing their home, changing schools, draining savings, or completely shifting their future.

So how do we fix this?

Enter Convertible Term Insurance.

Term insurance is affordable, simple, and gives you the coverage your family needs—right now. It allows you to bridge the gap between where you are today and where you want to go financially. But not all term insurance is created equal. And this is where the convertible part matters.

A convertible term policy allows you to lock in your insurability today while giving you the option to upgrade to a permanent policy (like whole life) in the future—without needing to go through medical underwriting again.

That’s powerful.

Because life changes. Income grows. Priorities shift. Maybe you want to start building your own banking system through a properly structured whole life policy. Maybe you want to create a legacy plan. Or maybe you just want long-term protection with living benefits. Convertible term gives you that flexibility.

Think of it as a financial parachute: You’re covered now, and when you’re ready to upgrade and grow your wealth, your policy evolves with you.

I’ve seen too many people wait until it’s too late. They get diagnosed. They lose a job. They have a health scare. And suddenly, getting that protection isn’t so easy anymore.

Here’s what I tell every family I work with: if you’re alive and earning income, you have value—real, measurable, economic value. And your loved ones are counting on that value continuing. It’s your responsibility to protect it.

Start with term. Make sure it’s convertible. Know your Human Life Value. And most importantly—act while you still can.

Because no one ever regrets being over prepared. But I’ve met plenty of people who wish they’d done more, sooner. 

Your family is worth it. Your future is worth it.

Let’s protect it.