Survey finds many Americans unsure how much life insurance they actually need

Life Insurance Awareness Month underscores ongoing consumer gaps and misconceptions about coverage and costs, with studies showing many people are unsure how much life insurance they need. Industry voices note that people increasingly research online using search, social media, and AI before talking to a professional, yet still value one-on-one guidance from financial advisers. Surveys indicate a strong desire among Americans to have life insurance sooner, along with barriers such as perceived high costs and uncertainty about appropriate coverage. Experts stress that digital education and tools should complement personal advice, enabling families to plan for real-life moments and build trusted relationships with advisers. The message from insurers and advisers is that awareness is growing, but turning awareness into action requires accessible digital resources paired with empathetic, human guidance.