Term Life·8 min read·
Who Actually Needs Life Insurance in 2026? Be Honest With Yourself.
The federal estate exemption is at $15M. Medicare covers the acute stuff. Your employer hands you group life on day one. With all of that, do you actually need an individual life insurance policy in 2026? Here are the four Hudson Valley household shapes where the answer is yes, and the few where it honestly isn't.
Written by Peter Guggisberg, Financial Services Representative with Vermont Financial Group of NY (a MassMutual general agency) and the advisor behind Noah's Ark Financial.