What Is A “Needs Analysis”? Do I Need One To Determine How Much Life Insurance I Should Have?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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A “needs analysis” (sometimes called “programming your life insurance”) is a systematic procedure that looks at your overall life insurance and other assets (investments, social security, pension, etc.) as a portfolio and relates those assets to needs that would have to be covered. Some versions of “needs analysis” would also include a review of other types of insurance (car, homeowners, etc.) you have or might need.

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