Who Needs to Buy Life Insurance?

In this episode of Life Happens, host Kim Hegwood sits down with Zach Herbst to tackle an essential yet often misunderstood topic: life insurance. Zach begins by breaking down the purpose of life insurance and why it’s a critical part of financial and family planning. The discussion explores the different types of life insurance, helping listeners understand the options available and what might work best for their unique circumstances. With so many commercials and offers out there, Zach shares practical tips on how to choose the right plan and avoid common pitfalls. Zach also addresses the most common reason people give for not owning life insurance and explains why that mindset can leave families vulnerable. Other key points include how to determine the amount of coverage you need and the best time to purchase a policy. Whether you’re just starting to think about life insurance or looking to review your current plan, this episode is packed with valuable insights to help you make informed decisions. Tune in to learn why life insurance might be one of the most important investments you ever make. Contact Zach: Email: [email protected] Phone: (713) 898-9211 About Zach: Zach Herbst is currently an Insurance Agent with the Texas Farm Bureau/Southern Farm Bureau insurance company since February of 2023. He and his wife Laura have been married since 2013 and have two children, Joshua and Penelope. Before becoming an insurance agent, Zach was in education for 12 years, he taught World and US History as well as Coached Football and Baseball. Zach grew up in Houston, Texas. He graduated from Memorial High School and attended Texas A&M University where he was a member of the Fightin’ Texas Aggie Band Class of ’09. He earned a Master in Business Administration from Texas A&M-Commerce and recently has been awarded a Finical Services Certified Professional from the American college. Zach currently is a member of the PTO board at his children’s elementary school, where his wife teaches and lives in Cypress, TX. _____________________________________________________________________ Contact Kim Hegwood – Elder Law Attorney Website: https://yourlegacylegalcare.com/ Facebook: https://www.facebook.com/YourLegacyLegalCare LinkedIn: https://www.linkedin.com/company/yourlegacylegalcare Instagram: https://www.instagram.com/yourlegacylegalcare FREE Books on Dementia Care: https://yourlegacylegalcare.com/books ➡️ Take our 5-minute “Trust the Future” quiz to discover if your independence, wealth, and legacy are truly guaranteed: https://your-legacy-legal-care.involve.me/trust-the-future ⬅️ Your Legacy Legal Care™ 1150 Clear Lake City Blvd., Suite 100, Houston, TX 77062 (281) 218-0880 #lifeinsurance #estateplanning #insuranceadvisors #insurancebenefits