Which of the following may indicate that a client needs additional life insurance coverage?

A significant indicator that a client may need additional life insurance coverage is an increase in family size. This change typically implies that there are more dependents relying on the insured individual for financial support. For example, the birth of a child or the addition of family members through marriage can increase financial obligations and the need to ensure that these dependents would be taken care of in the event of the policyholder's untimely death.

When a family grows, it often leads to higher living expenses, educational costs, and long-term financial commitments. Thus, having adequate life insurance becomes crucial to secure the financial future of the expanded family unit.

While decreased income could create a need for different financial planning or adjustments in budgeting, it doesn't inherently indicate a need for more life insurance. High interest rates and new state regulations are generally unrelated to an individual's insurance needs and do not directly reflect changes in personal circumstances necessitating additional coverage.