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In my years working alongside families in Southern Indiana and Louisville, I’ve seen just how often meaningful conversations about life insurance and long-term planning get put on the back burner. In fact, recent findings show about 80% of families haven’t truly sat down to talk through life insurance together. What’s more, there’s a real disconnect: nearly 60% of adult children believe their parents have life insurance, but only about 45% of parents actually do. These gaps in understanding don’t stop at insurance—they extend to retirement savings, healthcare expenses, and legacy planning, all crucial pieces of your family’s future.

Drawing from my experience helping families, new parents, and business owners navigate these waters, I always encourage making these discussions a regular habit. Setting aside time each year, or after big life changes, to review your coverage, goals, and decisions can make all the difference. It’s also wise to loop in a financial professional and keep documentation clear so everyone knows what to expect. True peace of mind comes from clarity, preparation, and open conversation—values at the heart of every plan I help build.

Over the years working with families here in Southern Indiana and Louisville, I’ve seen firsthand how easily life insurance conversations can slip through the cracks. In fact, a recent study found that 78% of global families haven’t had a real, in-depth talk about life insurance—proof that long-term coverage planning is often delayed or simply overlooked. What’s more, 60% of adult children assumed their parents had coverage, yet only 44% of parents said they actually did. That’s a big gap, and it doesn’t stop at insurance—families are also missing key discussions around retirement, healthcare costs, and legacy planning, which can leave loved ones unprepared when it matters most.

One simple, practical habit I encourage is holding a family meeting each year, or after big life changes, to talk through protection needs and make sure everyone’s on the same page. These open conversations, paired with guidance from a financial professional, help make sure life insurance becomes an intentional part of your bigger saving, investing, and retirement picture. My experience—both as an insurance advisor and as someone who’s owned a small business for decades—has taught me that real peace of mind starts with honest, ongoing planning.

It’s striking to see that 72% of Americans now wish they’d secured life insurance earlier. As someone who’s spent eight years guiding families and individuals in Southern Indiana and Louisville through the ins and outs of insurance decisions, I understand how timing can shape peace of mind. This recent survey really underscores what I hear so often—many people look back and wish they’d started their protection sooner.

When I sit down with new parents, small business owners, or anyone mapping out their future, we talk through not just what coverage they need, but why timing matters. The latest trends show more Americans are realizing this, too. Education is at the heart of every conversation I have, because clarity on coverage today can prevent regret tomorrow. If you’re weighing when to put your plan in place, know that you’re not alone—many wish they’d acted earlier, and it’s never too soon to start the conversation.

AI is making its presence felt in the world of US life insurance, and as someone who’s spent years guiding families and small business owners toward real peace of mind, I find these changes both exciting and promising. Over the next decade, we’re looking at smarter underwriting, more efficient processes, and a shift in how routine tasks are handled—all thanks to AI. What stands out to me is that the heart of this work remains unchanged: judgment, relationships, and expertise are still in high demand, even as technology steps in to support. In fact, a recent survey showed that nearly 40% of underwriters value the speed AI brings to decision-making, while about 35% appreciate its ability to use medical and third-party data more effectively. And with forecasts suggesting that AI could help grow US individual life premiums by about 11% by 2030 (from $19.1B to $21.2B), it’s clear that our industry is expanding, not shrinking. Most insurers are focusing on redeploying their teams toward higher-value work, rather than cutting jobs. For me, these shifts mean I can spend more time where it really counts—helping you design coverage that fits your life, with the same personal care and thoughtful planning I’ve always believed in.