How Much Life Insurance Do I Need in Maumelle, AR

The Maumelle version of this calculation is about right-sizing rather than affordability, which makes it a different exercise than it is across the river. With two professional incomes the common mistake is insuring only the higher earner. Run the number twice, once for each income disappearing. And remember that the surviving spouse's earning capacity usually drops when they become the only parent available for school pickups and sick days.

What changes the advice in Maumelle

• Dual-income professional households need higher term life coverage amounts and disability income protection
• Highest median household income in the Little Rock metro creates strong demand for IUL, fixed indexed annuities, and premium Medicare Supplement plans