Package review
Is your Risk Protection Package current and up to date?
Four ledgers — life, disability, long-term care, and annuities — minus what you already own. This is a check-up, not a quote. Premiums depend on age, health, occupation, and nicotine, and we will not invent those here.
Risk Protection Package
This Risk Protection Package is not up to date.
4 of the four lines still show a gap. Open each tab, then sit with us.
Who still has bills if you die?
$165,000
Salary, bonus, or owner draw the household would lose.
20 years
Until the youngest child is independent, or a partner can reset.
$45,000
Student loans, business notes, credit lines, car notes.
$620,000
What it would take to clear the house.
$120,000
College or trade school you still intend to fund.
$25,000
Funeral, last medical bills, a modest cash cushion.
$250,000
Group term at work plus any individual policies.
$80,000
Cash, brokerage — not retirement you would rather not raid.