Family Protection Plan for a Growing Household

The Hendricks family came to us shortly after welcoming their second child, worried they had outgrown the basic coverage from a workplace policy. As dual-income professionals in their mid-30s, they needed protection that matched their mortgage, childcare goals, and long-term college savings plans.

We started with a full risk review, mapping out income replacement needs and existing gaps. From there, we structured a layered term life insurance plan for both parents, paired with a disability income policy to protect their earnings if either could not work.

We also introduced a small permanent policy designed to build cash value alongside their other savings, giving them flexibility down the road.

The result was a right-sized, tax-efficient plan that covered today’s obligations without overspending. The Hendricks now review their coverage with us annually as their family and finances evolve.