Household Resilience · Authority Guide
Resilience by Life Stage: Young Adult → Retiree
Resilience priorities shift dramatically across life stages. The same coverage that's adequate at 28 is dangerous at 48.
Executive summary
Resilience priorities shift dramatically across life stages. The same coverage that's adequate at 28 is dangerous at 48.
- Young adult: liquidity + auto liability + health
- New family: term life + LTD + umbrella
- Peak earnings: titling + umbrella + LTC research
Key takeaways
- Young adult: liquidity + auto liability + health
- New family: term life + LTD + umbrella
- Peak earnings: titling + umbrella + LTC research
- Retirement: Medicare + LTC + estate
Key strategies
Strategy 1
Young adult: liquidity + auto liability + health
Strategy 2
New family: term life + LTD + umbrella
Strategy 3
Peak earnings: titling + umbrella + LTC research
Strategy 4
Retirement: Medicare + LTC + estate
Pro-tips checklist
- Re-assess HRI within 90 days of any life event
- Drop coverage you no longer need to fund the next layer
FAQ
When should I add long-term care?
Between 50 and 60. Premiums rise 50–100% after 60 and eligibility narrows.