Marriage combines finances, debts, housing goals, and future plans, so coverage should be recalculated instead of relying on pre-wedding policy amounts alone.
Beneficiary updates matter: older policies, retirement accounts, IRAs, brokerage accounts, and workplace benefits may still point to someone else after the wedding.
Workplace life insurance usually pays roughly one annual salary and often ends with the job, making individual coverage an important supplement for couples.
Stay-at-home spouses need coverage too, because childcare, household management, and caregiving create replacement costs; separate policies usually fit newlyweds better than joint plans.
Use DIME to total debt, income replacement, mortgage, and education, then audit policies, update beneficiaries, and fill shortfalls within 90 days of marriage.
