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Why More Americans Need Life Insurance

J. J. Montanaro

With J. J. Montanaro, Certified Financial Planner – USAA

September is Life Insurance Awareness Month. So this is a great time to address a growing crisis of underinsurance, with too many Americans – more than 40% – without adequate life insurance; a time to educate Americans about the importance of life insurance and helping them get the coverage they need.

Have you been contemplating purchasing life insurance, but aren’t sure if it’s something you really need or can afford? USAA certified financial planner, Joseph “J.J.” Montanaro discusses how much life insurance coverage we all need, what age is the right age to purchase life insurance, why it’s often considered retirement insurance, and if it’s ever a good idea to purchase life insurance through your employer.

JJ is a Certified Financial Planner. He is a native of Kansas City and earned his bachelor’s degree in engineering from the United States Military Academy, West Point, N.Y. He holds FINRA Series 7, 63, and 65 securities registrations, and a member of the Financial Planning Association.

I've been an investment strategist and adviser for over 35 years, leading with a mission of unbiased advice to educate and protect listeners on my weekly radio show on NPR affiliates nationwide. I have been named a “Top 100 Wealth Advisor” by Worth Magazine and “Top Advisor” by Reuters.