Retirement, insurance and estate resiliencePrompt 095
Calculate life-insurance need
Avoids both rule-of-thumb underinsurance and automatic overinsurance.
Ready to ask
Prompt text
“Estimate a life-insurance range using income replacement, debt payoff, education goals, childcare, existing assets and survivor income. Show which assumptions drive the range.”
Context Silvia can use
Income, debts, family goals, assets and existing policies.
What a strong answer includes
Coverage range and sensitivity table.
Useful follow-ups
- Use a needs-based approach only.
- Model the surviving spouse returning to work.
Ask Silvia about your actual financial life
Connect the relevant accounts, add the goal or constraint that matters, and ask Silvia to show the evidence and assumptions behind the answer.