PROS · Life Events
Life Event Protection Guidance Engine
Pick the event most relevant to your household — the engine generates the exact coverage changes, priority actions, risk alerts, and updated roadmap milestones triggered by that life event.
Life Event
Getting Married
Marriage triggers a top-to-bottom insurance review — most couples save 10–20% by combining policies and updating beneficiaries.
Within 30 days of marriage to capture discounts retroactively.
Open guidance →Life Event
Buying a Home
A home purchase is the single largest insurance decision most households make — lender requirements, replacement cost, and umbrella exposure all shift at once.
Lock the policy 14–30 days before closing to compare and negotiate.
Open guidance →Life Event
Welcoming a Child
A new dependent triples your life insurance need and compounds disability risk — most parents are underinsured for 5–10 years after birth.
Lock new term life policy in the second trimester or within 60 days of birth.
Open guidance →Life Event
Retiring
Retirement flips insurance priorities — life insurance often drops, long-term care rises, and Medicare integration becomes central.
12–18 months before retirement date.
Open guidance →Life Event
Going Through Divorce
Divorce requires fast separation of policies, updated beneficiaries, and a new liability/asset baseline for each household.
Within 30 days of decree.
Open guidance →Life Event
Moving / Relocating
Insurance rates vary by ZIP — a move of even 5 miles can swing auto and home premiums 20% in either direction.
Update carriers before move; re-quote 30 days after settled.
Open guidance →Life Event
Starting a Business
Personal policies almost never cover business activity — vehicle use, home office, and professional liability all require separate policies.
Before first paying customer or first contractor hire.
Open guidance →