Coverage Evolution Engine
How your coverage should evolve over time
A forecast of how your protection should scale as your income, assets, family, and business grow — and as retirement approaches.
| Horizon | Income | Recommended life | Recommended umbrella |
|---|---|---|---|
| Today | $110,000 | $1,100,000 | $1,000,000 |
| In 3 years | $123,200 | $1,232,000 | $1,000,000 |
| In 5 years | $134,200 | $1,342,000 | $1,000,000 |
| In 10 years | $159,500 | $1,595,000 | $1,000,000 |
| At retirement | $176,000 | $1,056,000 | $1,000,000 |
Today
- Establish baseline; close current gaps first.
In 3 years
- Re-shop every line; add disability COLA rider.
In 5 years
- Title rentals in LLC; layer commercial umbrella if self-employed.
In 10 years
- Convert term to permanent if estate liquidity is needed.
At retirement
- Shift focus to LTC, annuity, and legacy-protection structures.
Coverage evolution guides
Guide
How Coverage Should Evolve as Income Grows
Income growth changes life, disability, and umbrella thresholds.
Guide
How Coverage Should Evolve as Assets Grow
Asset growth = liability target. Scale umbrella and schedule valuables.
Guide
How Coverage Should Evolve as Your Family Grows
New child / spouse / dependent reshapes life + health + DI needs.
Guide
How Coverage Should Evolve as Your Business Grows
Revenue, payroll, and clients all change commercial coverage needs.
Guide
How Coverage Should Evolve as Retirement Approaches
Shift focus to LTC, healthcare, annuity income, and legacy.