Two-Critical Policies


There are two critical policies that everyone needs, yet most people don’t have. These policies protect you from devastating monetary losses that you or your family more than likely won’t be able to recover from. The best news? Both policies are very cheap!


Home and auto insurance usually cover you for liabilities, but everyone should have a least a $1 million umbrella policy to provide extra liability coverage, even if you don’t have significant assets. This coverage is needed because if you are ever sued, you could be forced to pay a legal judgment from your current assets and future earnings. Just imagine how is would feel to not only have to give up your assets, but also have money taken from your wages for years to come. It could ruin your life!

An umbrella policy can also pay for defense costs, which quickly add up even if you win your case. It’s an inexpensive way to protect your finances from devastating lawsuits.


You should get more than $1 million in umbrella coverage if you earn more than $100,000 per year or have more than $1 million in assets. If you’re worth more than $1 million, a $1 million umbrella is not going to protect you from a $2 million legal judgment because unfortunately, it is worth a lawyer’s time to go after your personal assets.

If your coverage falls short, a judge can order you to pay up, liquidating your savings, investments, retirement plans, trusts, real estate, and personal property-and even garnishing your wages. Don’t skimp on coverage.


Liability coverage in home insurance rarely exceeds $300,000, and auto policies rarely exceed $100,000 per person/$300,000 per accident, yet a significant amount of personal injury liability awards and settlements are over policy limits. In fact, 13% are over $1 million.

Here’s a crazy experience from one of our clients: A friend stopped by our client’s home unannounced and brought his 83-year-old mother with him. The elderly lady slipped in our client’s kitchen and hit her head on the countertop, causing her to pass away. This resulted in a $500,000 liability claim. Our client’s homeowner policy only covered the first $300,000 but our client also had a personal umbrella policy, which covered the remaining $200,000. Had the client not had an umbrella policy, he would have personally been liable for $200,000. Just imagine how life-changing it would be to pay $200,000 out of your own pocket!

Another claim story: One of our clients was merging onto a freeway, and a motorcycle driver came into his blind spot causing the motorcycle driver to fall off the bike. The motorcycle driver had significant lifestyle-changing injuries and claimed $850,000. Our client’s auto policy paid the first $250,000 and his personal umbrella policy paid for the remaining $600,000. Had he not purchased the umbrella policy, he would have been liable for the $600,000 personally.

Umbrella policies do more than just protect you, they fulfill a moral obligation. If you accidentally seriously injured someone, imagine the impact it would have on them and their family – both emotionally and financially. Maybe they’d never be able to recover. You can make sure they’re taken care of without risking your own assets and income. Imagine how much peace of mind that would give you!

Because umbrella policies are designed for those very rare rainy days, you can usually buy $1 million umbrella policy for $150-$250 for the entire year. Who wouldn’t trade a couple hundred bucks for $1,000,000?


We all buy home insurance even though we don’t know for certain that we’re going to claim. Same goes for car insurance. But there is one policy where 100% of us will end up making a claim. Life insurance.

Although that sounds morbid, let’s reason this out. We know that we will all pass on at some point. Many of us have a spouse, kids, parents or another family member that would suffer financially if we were to pass away. So doesn’t it make sense to have life insurance to get cash for our beloved family members?

How does life insurance protect our family exactly? It pays a lump of cash immediately to cover loss of income, pay off debt, cover funeral expenses, and other financial needs that might come up after one of you passes away, as long as you buy enough.

Life insurance isn’t an added expense. It’s a necessity.

2017 Life insurance statistics show…

…41% of Americans don’t have life insurance.

  • Of the 59% who do, 40% said they were under-insured
  • Of the 59% who do, 27% didn’t know if they have enough
  • Of the 59% who do, the remaining 33% just have a basic group life

If you’re one of the few that has proper life insurance in place… you know the feeling of being sure and confident that your family can survive financially. That feeling brings you a great sense of peace, doesn’t it? It’s the most thoughtful and loving thing that you could do for your loved ones.

If you’re part of a group that doesn’t know if you have enough… we commend you for caring enough to take care of things. Life insurance is about being sure and confident, so consult with an insurance professional to be sure that you have enough.

If you’re part of the group that knows you’re underinsured… we commend you for caring enough to get something into place. Depending on how underinsured you are, something could be better than nothing. However, don’t let the fact that you have some insurance allow you to procrastinate. Get a hold of an insurance professional and fix it!

If you’re part of a group that just has basic group life… know that it’s nowhere near enough for your family to survive. Typically, group life policies only provide a benefit of one to two years of your income. Sure, it will buy your family a little time, but then what? Don’t let the fact that you have a little something convince you that your family can survive financially. They can’t. Make this a priority! Talk to an insurance professional, determine how much your family would need, and get it.

If you’re part of the group that doesn’t have life insurance…. and you have loved ones who depend on you financially, you have a responsibility as their provider to make sure they can survive financially if you die. We urgently encourage you to talk to an insurance professional, determine how much your family would need, and take out a policy.


Think about all the important people in your life.

If you weren’t here, how would they be impacted financially? What would life be like for them? Would they have enough to make it? Or would they be forced to make big sacrifices?

It’s not fun to think about it, but by ‘playing dead’, you can begin to understand that life insurance is a critical tool to ensure your family could survive financially if anything were to happen to you.

It’s important to be sure that your loved ones can survive financially. In the dark moments of grief, the last thing your spouse should worry about is surviving financially in your absence.

We want your family to be taken care of in the event of your death. Unfortunately, for a lot of people, the conversation about life insurance doesn’t come up until someone they know dies. Then you hear the all too common questions, “Did they have life insurance?” and “Did they have enough life insurance?”.

Suddenly people are willing to talk about life insurance, and they immediately realize the benefits. They ask these questions because they care about the surviving family members and they want to know how they’re going to be able to make it financially. The last thing anyone should have to worry about in this unthinkable time is surviving financially.

Take some time to think about how you would want life to be for your family should you die. Think about all things that you would want them to see through in life. Do you want your spouse to be able to pay off the mortgage? Do you want your kids to have their college fees paid? You have an opportunity right now to make sure everything still happens according to your plans if something were to happen to you.


Term life insurance is the cheapest way to protect your family from your premature or unexpected death. That’s because it has no cash value until you or your spouse passes away. In other words, it’s not worth anything unless one of you was to die during the course of the term. Then that’s when they receive money.

Umbrella Policies usually cost only $150-$200 for the entire year. That’s only $12- $17 per month.

If you need to know more about either policy, pick up the phone and ask us anything you’d like.