Photo from Freepik Life insurance should bring peace of mind, not confusion. Yet small oversights (wrong coverage, outdated beneficiaries, missed payments) can turn a solid plan into a weak safety net. Use this guide to spot the traps and fix them fast. 1) Underinsuring the people who rely on you Guessing at a number (“$250k sounds fine”) is risky. Consider income replacement (often 10–15× annual income), mortgage and debt payoff, childcare, education, and final expenses . Re