If the real estate mantra “location, location, location” had a life insurance equivalent, it would probably be “decisions, decisions, decisions.”

If you want to know the future of the economy, just ask a Millennial.

This generation, born in the 1980s and 1990s, has transformed the expectation of how and why we buy certain products. With a preference for digital services, Millennials have influenced the business models of many companies – new and old, which are adjusting to accommodate the preferences of this generation.

Most of us do just about everything online, from managing our finances to searching for a soul mate to changing our thermostat. So when it’s time to buy life insurance to protect a growing family financially, where else would we look but online?

Life these days is about finding the right balance, the perfect blend of work and play, needs and wants, saving and spending.

You’ll face the same type of decision-making when shopping for life insurance. Too little coverage can leave your family underinsured, too much can have you overpaying for your individual needs.

For many people, your 40s are a time where you re-confirm many financial decisions made to date in your life. Are you on pace for a comfortable retirement? Is it time to refinance your mortgage for a better interest rate? Have you saved enough to take some of those dream vacations?

Another financial item to revisit? Your life insurance needs.

For some, your 40s could be the first time you’ve ever needed life insurance. Maybe you had your first child later in life, or you’ve even taken out a loan to start a new business.