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Rogelio Gonzalez, CRPC®, CSRIC™
Financial Planner
Prudential Advisors
Pacific Northwest Financial Group
1700 SE Mile Hill Drive, Suite 264
Port Orchard, WA 98366
Phone: 360-919-4271
Email: rogelio.gonzalez@prudential.com
Website: www.prudential.com/advisor/rogelio-gonzalez
January/February 2026
Experiencing or Expecting Changes in Life?
From marriage to retirement, life's events will likely alter your life insurance needs. How much life insurance do you need and why do you need it at various times in your life? Let's look at some of life's stages and how life insurance may play a role during these times.
Just Married
If you're young and newly married, you probably feel invincible and question the need for life insurance. But even if you think you can tempt fate because time is on your side, you might want to consider whole life insurance during this time. You're young, when life insurance is least expensive. And if you purchase whole life insurance, premiums will never increase, and you'll keep the policy even in ill health as long as you pay premiums on time.New Baby
Having your first child? Second? Third or more?Let's face it, children are expensive. Counting college expenses, they can cost hundreds of thousands of dollars each before going out on their own. Carrying an appropriate amount of life insurance can ensure your financial plans will continue if you are no longer here to fund them.
Blended Families
Families come in all shapes and sizes, and many combine their resources and their love in second marriages and beyond. You'll want to talk to an estate planning attorney to sort some items out, but you will undoubtedly have complicated life insurance needs, too. From housing and college to everyday expenses and income replacement, life insurance can provide a financial safety net for loved ones.Empty Nest
With the children out of the house and on their own, you and your spouse may have a lesser immediate need for life insurance. You may still, however, want to provide for a surviving spouse. If you have built up cash value* in a life insurance policy over the years, you can use this cash to supplement your retirement income. Or you can maintain a life insurance policy to leave as an income-taxfree legacy to loved ones.Talk to your financial professional to learn more about your life insurance needs.
* Cash value may be accessed through loans and withdrawals, which will reduce the policy's cash value and death benefit and increase the chance that the policy may lapse.
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Rogelio Gonzalez is a Financial Planner with and offers securities and investment advisory services offered through LPL Enterprise (LPLE), a Registered Investment Advisor, Member FINRA/SIPC, and an affiliate of LPL Financial.
"Prudential Advisors" is a brand name for the propriety retail sales channgel of The Prudential Insurance Company of America ("PICA") and its insurance company and other affiliates (collectively "Prudential"). Prudential Advisors financial professionals are licensed insurance agents of Prudential.
Pursuant to a strategic relationship among Prudential, LPLE, and LPL Financial, Prudential Advisors financial professionals provide securities brokerage services and/or investment advice on securities solely as registered persons of LPLE, an affiliate of LPL Financial. These financial professionals are permitted to brand under "Prudential Advisors".
LPLE and LPL Financial are not affiliated with Prudential or Pacific Northwest Financial Group.
Prudential, Prudential Advisors, and the Pacific Northwest Financial Group are not registered as a broker-dealer or investment advisor.
Pacific Northwest Financial Group and LTM Marketing Solutions, LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Marketing Solutions, LLC, an unrelated third party. Articles are not written or produced by the named representative.
The information and opinions contained in this web site are obtained from sources believed to be reliable, but their accuracy cannot be guaranteed. The publishers assume no responsibility for errors and omissions or for any damages resulting from the use of the published information. This web site is published with the understanding that it does not render legal, accounting, financial, or other professional advice. Whole or partial reproduction of this web site is forbidden without the written permission of the publisher.