Episode Description: How much life insurance do I need—and how does it fit into your overall financial planning? This episode breaks down life and disability insurance in a practical, financial wellness-focused way. How much life insurance do I need is one of the most common—and most misunderstood—questions in personal finance. In this episode of Real Money, Real Life™, Linda Grizely sits down with Peter Ciravolo to walk through how to think about life insurance and disability insurance without confusion, pressure, or overbuying. Insurance isn't about fear—it's about protecting your income, your independence, and the people who rely on you. This conversation focuses on how much life insurance you actually need, when disability insurance matters most, and how these decisions fit into a broader financial planning and financial wellness strategy. If you've been wondering how much life insurance you need, whether disability insurance is worth it, or how to approach insurance as part of your financial plan, this episode gives you a clear starting point. We Talk About: • how much life insurance you need based on income and financial goals • term vs permanent life insurance and why term is often the right fit • when you need life insurance (marriage, kids, debt, income protection) • when to get disability insurance and why it's often overlooked • how disability insurance protects your income if you can't work • why most people underestimate their risk of disability • how insurance fits into financial planning and financial wellness • when long-term care insurance comes into the conversation About Peter Ciravolo: Peter is a co-founder of BC Brokerage. BC Brokerage is licensed in all 50 states and helps fee-only planners implement insurance solutions for their clients' financial plans. We help with life, disability, long-term care, annuity, home, auto, umbrella, and business insurance. Outside of work, Peter resides in Miami, FL. Peter loves to travel (been to 40+ countries), golf, workout, cook, try new restaurants, and go out on his boat/fish. Connect with Peter: Website: www.bc-brokerage.com LinkedIn: https://www.linkedin.com/company/bc-brokerage/ About Linda Grizely: Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda focuses on blending the numbers and tactics (real money) with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™. Connect with Linda: Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X (Twitter): https://twitter.com/LindaGrizely Resources/Freebies: What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz Join Linda's Free Community: A space for real talk, fresh starts, and women who are done putting themselves last. https://bit.ly/RealMoneyRealLifeCommunity Useful Personal Finance Checklists and Flowcharts: www.lindagriz.com/resources ℹ️ Important Disclosures: Real Money, Real Life™ is hosted and produced by Linda Grizely Ventures, LLC. Linda Grizely, CFP®, is an Investment Adviser Representative of Nectarine, an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate from and unaffiliated with Nectarine. The views expressed on this podcast are those of the individuals expressing them and do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Guests on the podcast may express opinions or discuss financial strategies that are their own and should not be considered recommendations or personalized financial advice. This podcast is provided for informational, educational, and entertainment purposes only and should not be construed as personalized investment advice or a solicitation to buy or sell any securities or financial products. Listeners should consult their own financial, legal, or tax professionals regarding their specific situation. For additional disclosures, please visit: https://hellonectarine.com https://www.lindagriz.com/disclaimers