Insurance

Insurance is designed to absorb life’s biggest financial shocks so they don’t fall on you or someone you love. Whether it’s an accident, lawsuit, illness, or unexpected loss, insurance replaces income, covers damages, and shields your assets so your family isn’t left vulnerable or forced into debt.

Term life is simple, affordable, and focused on what truly matters—replacing your income so your family stays financially secure if you pass away. Whole life is often 10–20× more expensive for the same coverage, and the “investment” component rarely delivers meaningful returns. Term life gives you maximum protection at the lowest cost, without the expensive upsells or confusing gimmicks.

Before you shop for prices, you need to know exactly how much protection you actually need. Right-sizing your coverage ensures you’re not under-insured (leaving your assets and income exposed) or over-insured (paying for unnecessary extras). Once the coverage itself is correct, you can confidently compare prices knowing you’re shopping for the proper protection—not just the cheapest policy.

After you’ve confirmed the right amount of coverage, the next step is checking prices regularly. Insurance rates change every year, and different companies adjust pricing at different times. By comparing quotes annually, you may find significant savings—sometimes hundreds or thousands of dollars—without changing your coverage at all. Setting a yearly reminder helps ensure you never overpay for the protection you need.

Umbrella insurance provides an extra layer of liability protection beyond what your auto or home policy covers. If you’re sued for more than your base policy limits, umbrella insurance steps in and shields your income, assets, and future earnings from seizure. It’s usually inexpensive and offers a massive boost in protection—making it one of the highest-value policies you can own.