Income Protection Hub
Your income is your most valuable asset
A 35-year-old earning $100k will produce $3M+ over their career. Long-term disability is 3× more likely than death in any working year — yet most households skip it.
Long-Term Disability
60% of income, to age 65, own-occupation rider. The single highest-impact policy most households never buy.
Size your LTD →Term Life Insurance
10–15× working income for each earner. Ladder 10/20/30-yr terms to match obligation runoff.
Estimate term life →Emergency Fund
3–6 months of essential expenses, in HYSA. Covers waiting periods and lets you raise deductibles safely.
Build the buffer →