September is Life Insurance Awareness Month, and there’s no better time to have the conversation that so many families put off. In this episode of the Talk Money with Tish podcast, Tish and Christina are pulling back the curtain on one of the most misunderstood — yet most powerful — wealth-building tools: life insurance.

Whether you’re Just Getting Started, Doing Well But Want More, or Building a Legacy, this episode breaks down how life insurance can help you:

• Protect your income and pay off debts

• Create tax-free wealth transfer for your family

• Access living benefits in case of critical or chronic illness

• Supplement your retirement with tax-advantaged income

• Use cash value life insurance as your personal bank

Life insurance isn’t just about death — it’s about how we live and plan for the future while we’re here.

Tish and Christina explain the real reasons why people delay coverage — cost misconceptions, confusion over policy types, and procrastination — and why that mindset can be financially devastating.

They explore the differences between term, whole life, and indexed universal life (IUL), and how each can serve a purpose depending on your stage in life and legacy goals.

“If you love someone or owe someone, you need life insurance. Don’t leave behind a liability — leave a legacy.” – Christina

This episode is your invitation to review your current policy, understand what you have, and take smart, informed steps to protect and grow your family’s financial foundation.

Key Takeaways

• Most people overestimate the cost of life insurance by three times. It’s more affordable than you think.

• Employer-sponsored coverage is helpful but often not enough — and it doesn’t follow you if you leave your job.

• Living benefits allow you to access your death benefit while alive in cases of serious illness.

• Cash value policies like Whole Life and IULs can be used to build wealth, fund college, pay for weddings, or supplement retirement — all tax-free.

• Don’t wait — you’d rather be five years too early than five minutes too late.

Ready to learn more?

Book a free strategy session with Tish and Christina to explore which life insurance strategy fits your family’s goals. Whether you need coverage or want to enhance what you already have — we’ll help you protect your peace and build your legacy.

Listen now and share with someone who needs this information in their financial toolkit.