Lifetime Planner
Your insurance plan should evolve with your life
A stage-by-stage protection roadmap from young adulthood through retirement — with priorities, checklists, and recommended tools at every stage.
18–29
Young Adult
Foundation years — focus on health, renters, auto liability, and emergency fund.
Coverage Priorities
- Health insurance
- Renters insurance
- Auto liability 100/300
- Build 3-month emergency fund
Action Checklist
- Enroll in health plan
- Add renters policy
- Bump auto liability above state minimums
- Open HSA or high-yield savings
25–35
New Family
Marriage or first child triggers life, disability, and umbrella decisions.
Coverage Priorities
- Term life ≥ 10× income
- Long-term disability
- Umbrella ≥ $1M
- Update beneficiaries
Action Checklist
- Buy 20–30 yr term life
- Add LTD if not offered through work
- Add $1M umbrella
- Document estate plan / will
30–45
Growing Family
Maximum dependents and obligations — coverage should peak here.
Coverage Priorities
- Life 12–15× income
- Layer 10/20/30-yr term
- Replacement-cost home
- 529 + life rider for kids
Action Checklist
- Re-shop life every 3 yrs
- Verify dwelling = rebuild cost
- Add water-backup + service-line riders
- Annual coverage review
40–50
Mid-Career
Income peaks — protect it and start retirement / LTC planning.
Coverage Priorities
- Maximize disability coverage
- Increase umbrella with net worth
- Build cash reserves
- Begin LTC research
Action Checklist
- Confirm LTD covers bonuses/RSUs
- Umbrella to 1× net worth
- Raise deductibles to lower premium
45–55
Peak Earnings
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
55–65
Pre-Retirement
Re-balance from income protection to healthcare and longevity.
Coverage Priorities
- Long-term care insurance
- Medicare gap planning
- Drop excess life coverage
- Annuity / longevity review
Action Checklist
- Buy LTC before 60–62
- Plan Medicare Supplement
- Reduce term life as debts shrink
65+
Retirement
Healthcare, longevity, and umbrella dominate.
Coverage Priorities
- Medicare + Supplement + Part D
- LTC or hybrid policy
- Umbrella ≥ net worth
- Beneficiary review
Action Checklist
- Annual policy + beneficiary audit
- Drop collision when car value low
- Review estate distribution