Forty is a genuine inflection point: career earnings are frequently at or near their lifetime peak, kids (if you have them) are often school-age with a clearer cost trajectory, and health risk for serious conditions begins a more noticeable climb. It's worth a deliberate, full review rather than incremental tweaks.
At 40, your earning potential is often near its peak while health risk (cancer, heart disease, diabetes) starts rising more noticeably — reassess life, disability, and critical illness coverage against both your higher income and increasing risk, and start the conversation about aging parents' care needs.
At 40, you typically have better visibility into your real numbers than at 25 or 30: actual income, actual mortgage balance, actual number and ages of children. Use these real figures rather than estimates for the most accurate Human Life Value calculation you've likely run.
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