Thomas Smoot

Thomas Smoot joined Guardian in early 2010 and is Vice President of Life Product Strategy & Marketing. He oversees all efforts to provide life product support, business intelligence and conservation support to field representatives.

September 16, 2014

What Is Your Human Life Value—and Why Does It Matter?

You wouldn’t think of insuring half of your car, home or other important personal property, would you? Yet when people are looking to purchase life insurance, a common perception is that only some modest multiple of your income in terms of coverage is actually “needed.” However, this often falls short of what your actual earning potential would be over your lifetime – your so-called “human life value.”

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