Risk protection · Las Vegas
Life and disability insurance in Las Vegas, sized to your real life
Protect the paycheck your family runs on. Randy runs the numbers with you so you buy the coverage you need, understand what it does, and stop wondering if you have enough.
The short answer
How much life insurance do I need?
Enough to replace the income your family would lose, pay off debts like your mortgage, and fund big goals like college. A common starting point is ten or more years of income plus your debts and future goals, minus the savings and coverage you already have. Randy runs that needs analysis with your actual numbers, so the amount is based on your life instead of a rule of thumb.
Your ability to earn is your biggest asset
If you are 35 and earn $80,000 a year, you are on track to earn well over $2 million before you retire. Most people insure their car and their house without a second thought, and leave that income unprotected.
Two kinds of coverage protect it:
- Life insurance replaces your income for the people who depend on you if you die.
- Disability income insurance replaces part of your paycheck if an illness or injury keeps you from working. The Social Security Administration estimates that just over 1 in 4 of today's 20-year-olds will become disabled before reaching retirement age.
What a needs analysis covers
- Income replacement for the years your family needs it
- Mortgage and other debts paid off
- College funding for your kids
- Final expenses and an emergency cushion
- Disability coverage for your own paycheck
- A review of the coverage you already have through work
Who usually needs this conversation
If someone would struggle financially without your income, you are on this list.
Families
Young kids at home
The years your children depend on you are the years coverage matters most, and when it costs the least.
Homeowners
A mortgage to protect
Make sure the house stays in the family no matter what happens to the person paying for it.
Professionals
High earners
Doctors, nurses, attorneys, and skilled trades need disability coverage that protects their specific occupation.
FAQ
Questions people ask Randy
Straight answers. If yours is not here, ask it on the call. That is what it is for.
What is the difference between term and permanent life insurance?
Term life covers you for a set period, usually 10 to 30 years, and is typically the lowest-cost way to buy a large amount of coverage. Permanent life insurance, such as whole life, is designed to last your whole life and can build cash value, which makes it cost more per dollar of coverage. Many families use term for the years their income matters most and permanent coverage for lifelong needs.
How much does life insurance cost?
It depends on your age, health, the amount of coverage, and the type of policy. Term coverage for a healthy person in their thirties often costs less than people expect. Randy runs your needs analysis first so you see real quotes for the right amount of coverage, not a sales number.
I have life insurance through work. Is that enough?
Usually not. Group coverage is often one or two times your salary, which rarely covers a mortgage plus years of lost income. It also typically ends or changes when you leave the job. Think of it as a helpful start, not the plan.
Can I get coverage if I have a health condition?
Often, yes. Underwriting varies by insurer and by condition, and many common conditions that are well managed still qualify. Randy can tell you what to expect before you apply.
Keep exploring
Other ways Randy helps
Retirement
Retirement Planning
A paycheck plan for life after work: income mapping, Social Security timing, and a clear handoff from saving to spending.
Explore retirementWealth
Wealth Planning
Turn what you earn into what you keep: savings structure, tax-advantaged accounts, and a long-term investing plan.
Explore wealthBusiness owners
Business Owner Planning
Key-person coverage, buy-sell funding, owner benefits, and succession, so the business you built is protected.
Explore business ownersFree discovery call
Find out if your family is covered
No jargon, no pitch deck. Tell Randy where you are and where you want to be, and leave with a clearer picture than you walked in with.
- Free 30-minute call, in person, by phone, or on video
- You leave with next steps, whether or not we work together
- Evenings and Saturdays available by appointment
Rather talk now? (702) 349-2508
Book your free discovery call
Thirty minutes, no cost, no pressure. Randy reads every message himself and replies within one business day.
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