InsuranceQuoteToolkit

45–55

Peak Earnings insurance guide

Asset-protection becomes the dominant theme.

Coverage Priorities

  • Umbrella 1–2× net worth
  • Asset titling (LLC for rentals)
  • Permanent life if estate >$5M
  • LTC by age 55

Action Checklist

  • Trust + estate review
  • Schedule valuables on home policy
  • Convert term ladder pieces if needed

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