Life insurance doesn't replace you - but it gives your family time, options, and the ability to grieve without the immediate burden of financial stress
Yet the majority of people overestimate the cost of life insurance by 3-5x - and delay getting it because of that misunderstanding.
At Romana Wealth Partners, we believe life insurance is more than a policy - it's an act of protection, love, and clarity. We help you cut through the noise, figure out what's right for your life, and make sure the people you care about most will be taken care of. We don't scare people into action - we help you feel calm, informed, and secure.
Let's make sure the people you love are protected - no matter what happens.
There's no one-size-fits-all answer - but here's a simple rule of thumb to get started: The DIME Method:
Example: If you earn $100,000/year and want to provide for your family for 10 years, that's $1M right there - not including debt, housing, or education.
Even a modest policy can make a massive difference. You don't have to overdo it - just plan for what matters.
Romana Wealth Partners | 3000 Executive Parkway | Suite 400 | San Ramon, CA 94583
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Footnotes & Sources:
* Source: MoneyGeek, May 2025. Approximately 51% of American adults report owning at least one life insurance policy, leaving around 49% without any coverage. https://www.moneygeek.com/insurance/life/life-insurance-statistics/
** Source: TruStage, citing the 2024 Life Insurance Barometer Study. 41% of life insurance holders say their coverage is insufficient. https://www.trustage.com/learn/life-events/do-i-need-life-insurance
(3) Source: LIMRA / Life Happens, 2022 Insurance Barometer Study. Link: https://www.limra.com/en/newsroom/news-releases/2022/2022-insurance-barometer-study-reveals-the-secret-to-financ ial-security-is--owning-life-insurance/
(4) Source: ChoiceMutual, summarizing Barometer Study findings. 30% of Americans would experience financial hardship within one month. Link: https://choicemutual.com/blog/life-insurance-statistics/ Additional Source: LIMRA / Life Happens –see above link.
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