💸 “I Make More Now—So I Need Less Insurance?” Let’s Talk About That.

As income grows, many people start scaling back on certain protections—especially insurance.

It makes sense on the surface:“I have more savings now, I’m less dependent on a safety net.”

But here’s the truth: the more you have, the more you need to protect.

When you earn more, several things happen:

Your lifestyle expenses rise—and disability or death could have a bigger financial impact.
You tend to accumulate more assets—making you a larger target for liability lawsuits.
Your family may become more dependent on your income and standard of living.
You may take on bigger obligations—larger homes, tuition planning, or business risks.

✅ Life InsuranceYou may have outgrown your original term policy. Ask: Could your current policy replace your income for 10–20 years?

✅ Disability InsuranceYour employer plan probably caps coverage at $5,000–$10,000/month. Is that enough?

✅ Umbrella CoverageA $1M umbrella might’ve worked in your 30s. But if your net worth is $2M+? It might be time for $3–5M.

✅ Home/AutoLuxury cars, second homes, and higher-value assets often need upgraded policies or riders.

Insurance is not about how little you can get away with.It’s about protecting the life you've built—and the one your loved ones rely on.

As your income grows, your financial plan should evolve with it.And that means taking a second look at your protection strategy.

Want to review your plan with someone who gets it?I’m always happy to take a look—no pressure, no sales pitch.

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