How Christians Can Guarantee Their Family’s Future With Human Life Value
Your income isn’t just a number.
It’s the engine that fuels your family’s future: your children’s opportunities, your generosity, and your Kingdom impact.
But here’s the problem: most Christians underestimate their true economic worth. They protect only a fraction of their income, leaving their families exposed when they need security the most.
The True Value of Your Income
Let’s say you earn $200,000 a year and plan to work for 25 more years.
That’s $5,000,000 of economic value your family is depending on.
Yet most people don’t protect even half of that. And if that income stops suddenly…
✔ The bills don’t stop
✔ College doesn’t stop
✔ The mortgage doesn’t stop
✔ Ministry support doesn’t stop
Without proper planning, your family is left vulnerable.
The Human Life Value Strategy
The Human Life Value (HLV) strategy fixes this.
It calculates your true economic worth - not just what you earn today, but what your family would lose if you weren’t there tomorrow.
Then it replaces that income with a tax-free death benefit if God calls you home unexpectedly.
This isn’t about speculation. It’s about protection. It’s about stewardship.
Example: Replacing $200,000 of Income
Annual income: $200,000
Years until retirement: 25
Human Life Value: $5,000,000
With a properly designed plan, that $5,000,000 is delivered to your spouse, children, and even your church tax-free.
Here’s how it could work:
Your spouse receives the $5M benefit.
They place $4M into a guaranteed annuity paying 5% annually.
That produces $200,000 per year of predictable, guaranteed lifetime income.
The remaining $1M can fund college, pay off debts, or bless your church.
In one plan, your income is fully replaced, your family is secure, and your Kingdom impact continues.
Biblical Stewardship and Legacy
Scripture is clear about legacy:
“A good person leaves an inheritance for their children’s children, but a sinner’s wealth is stored up for the righteous.” -Proverbs 13:22
The Human Life Value strategy is one of the most practical ways to honor that calling.
It ensures your protection matches your purpose:
✔ Legacy: tax-free wealth transfer
✔ Impact: funding college, sustaining income, blessing ministries
✔ Peace: knowing your family is provided for
Final Thoughts
Your family deserves the assurance that no matter what, their needs will be covered with a plan you put in place today.
The Human Life Value strategy isn’t just insurance. It’s stewardship. It’s aligning your protection with your God-given purpose.
Want to see your Human Life Value? Click here to book in a call and we’ll build a plan that protects your income, your family, and your legacy.
