Coverage by Life Stage

Your insurance needs change dramatically throughout life. What a 22-year-old needs is very different from a family with young children or a retiree. Use this guide to find the right coverage for your situation.

Single Young Adult (22-30, Renting)

You're establishing yourself financially. Focus on protecting your income and avoiding catastrophic costs.

Married Couple (No Kids, Dual Income)

Combined income means combined risk. Protect each other's ability to maintain your lifestyle if something happens.

Family with Young Children (30-45)

Your highest-risk period. Multiple dependents rely on your income. Life and disability insurance become critical.

Empty Nesters (50-65)

Kids are independent, debts are shrinking. Shift focus from income replacement to asset protection and long-term care planning.

Retirees (65+)

Medicare replaces employer health coverage. Focus shifts to supplemental health, long-term care, and protecting retirement assets.

Small Business Owner

You need BOTH personal AND business insurance. Your business creates additional liability exposure that personal policies don't cover.

High-Net-Worth ($1M+ Assets)

Standard insurance products have limits that may not adequately protect significant wealth. Specialized high-value carriers offer enhanced coverage, higher limits, and risk management services. Key carriers: Chubb Personal Risk Services, AIG Private Client, PURE Insurance. Features: guaranteed repla