What am I actually supposed to have?
Most families carry one or two of these and assume they are covered. The gaps are almost always in the ones nobody sold them. These are the three that keep one bad day from undoing ten good years — and the order to put them in.
Life Insurance
Cover the people who depend on you, at a premium that fits the budget you actually have. For most families that means term — cheap, fixed, and designed to end when the risk ends.
The tradeoffTerm is inexpensive protection that expires. Whole life is expensive protection that does not. Which you need depends on whether your risk ends — and for most families, it does.
Auto & Home Insurance
Shopped across carriers, side by side, so you stop overpaying for coverage you never compared. Being independent means I can tell you to keep what you have when that is the right answer.
The tradeoffA higher deductible lowers the premium and raises what you carry on the bad day. Pick the number you could actually write a check for.
Home Security & Alarm
Monitored protection for the home everything else on this page is meant to defend. Often earns a discount on the homeowners policy that partly pays for itself.
The tradeoffMonitoring is a monthly cost. Self-installed systems are cheaper and nobody is watching them at 3 a.m.
The order to do it in
Catastrophic first. Then everything else.
Start here
Start with fifteen minutes.
Tell me which of the three you have and which you are guessing about. I will tell you where the gap is, and whether it is worth closing.