Life Insurance Awareness Month — September
This September, as we observe Life Insurance Awareness Month, it’s a good time to think about the protection we leave behind for our families. If you’re in Northern California, you’ve got local factors to consider, and I’m here at Myles Harris Agency Insurance and Financial Services to help you get clarity and peace of mind.
Why Life Insurance Still Matters
Many Americans believe they need life insurance or more of it, yet only about 50-52% report owning a policy. (Davies)
A large portion are underinsured—they may have something, but not enough to cover debts, final expenses, or maintain their family’s lifestyle. (Davies)
A common obstacle: misconceptions about cost. Many people overestimate how much life insurance costs—sometimes by 3x or more. (LIMRA, Trustmark Benefits)
Local Snapshot: Northern California
Discovery Bay, CA has a population of about 15,358 according to the 2020 Census. (Wikipedia)
Of those, about 32.8% of households have children under 18, while many households are married couples. (Wikipedia)
Discovery Bay residents have comparatively high rates of health coverage—over 95% have some form of health insurance. (Data USA)
While I didn’t uncover a recent specific statistic for life insurance ownership in Northern California, these demographics suggest:
- If you have dependents (children, spouse) or debts, life insurance becomes critically important.
- High health insurance coverage is good; life insurance complements that by securing finances beyond health care—funeral, debt, income replacement.
How Myles Harris Agency Insurance and Financial Services Helps in Northern California
At Myles Harris Agency Insurance and Financial Services, my goal is to help people in Northern California (and beyond) understand and secure the life insurance that makes sense for their lives. Here’s how I approach it:
• Needs-based consultation — I listen: family size, debts, lifestyle, goals. Together we estimate the amount of coverage that truly protects.
• Policy options explained clearly — Term vs. permanent policies; riders; cost over time; benefits.
• Local-aware service — Because costs, risks, and even underwriting can vary locally, I help you understand what applies in your ZIP code.
• Periodic reviews — Life changes—marriage, kids, changes in income—mean your coverage should change too.
What You Can Do This September
• Review your current life insurance: are you covered enough? If you're unsure, I can help you estimate.
• Compare quotes: especially as a Northern California resident, see what local insurers offer.
• Talk with someone you trust—Myles Harris Agency Insurance and Financial Services is here to guide you, without pressure.
• Use this month as your reminder: protecting your loved ones isn’t something to postpone.
Final Thoughts
Life is unpredictable. Being ready doesn’t eliminate risk, but it does reduce the burden on those you care about most. This September, take the time to review or get a life insurance plan in place. If you're in Northern California, reach out to Myles Harris Agency Insurance and Financial Services. I’m Myles Harris, and I’d be honored to help you build your safety net.
