Insurance Guide
Plain-English Guides for Real Family Decisions
No jargon. No sales pitch. Just the questions families actually ask, answered the way I would explain them to a friend over coffee. Pick a topic below, or use the calculator to get a personal estimate.
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Tools
Quick estimates and calculators to give you a number to start with.
Life Insurance Calculator
Get a personal coverage estimate in about 60 seconds. Built around your income, debts, dependents, and savings goals.
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Life Insurance Guides
Plain-English explainers on coverage, products, and how to think about what fits your family.
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How Much Life Insurance Do I Need? By Family Profile
Coverage guides for single parents, young couples, growing families, single-income households, and high-income earners. Real numbers, not formulas.
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Term vs. Permanent Life Insurance, by Age
What makes sense in your 20s, 30s, 40s, 50s, and 60s. The honest tradeoffs between term and the four flavors of permanent (whole life, UL, IUL, VUL).
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Life Insurance for Georgia Families
What Georgia residents should know about coverage, costs, and how state-specific rules affect your decisions.
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College Savings & Family Planning
Saving for education without giving up flexibility, and how life insurance fits the picture.
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529 vs. Roth IRA vs. IUL: A Friend's Guide for Georgia Families
How each one works, how the FAFSA treats them, and which combination most families I work with end up choosing.
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Common Questions
Short, direct answers to the questions families ask me most often.
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Do I Need Life Insurance?
The honest answer depends on who would be affected if you were gone tomorrow. Here is how to think about it.
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How Much Life Insurance Do I Need?
The simple math (and the smarter math) for figuring out a coverage number that fits your family.
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Is Whole Life Insurance Worth It?
When permanent coverage makes sense, when it does not, and the questions to ask before you sign.
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Term vs. Whole Life
The short version of the term vs. permanent decision, with a few examples to make it concrete.
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Best Age to Buy Term Life Insurance
Why your 20s and 30s are the sweet spot, and what to do if you are already past that.
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Free Strategy Session
Want to Talk Through Your Numbers?
If you are ready to map out a plan that fits your family, book a free strategy session. No pressure, no pitch, just a real conversation.
Book a Free Strategy Session
Written by Regie Durana
Licensed Insurance Professional · GA #3054869 · verify license
Born in the Philippines, 8 years in legal IT before joining financial services in 2015. Explaining money the way a friend would, because nobody taught us this in school.