Most people work hard to grow assets. Very few think seriously about protecting them.

Your home and auto insurance feel sufficient—until something goes wrong. A serious accident or lawsuit can blow past those limits fast. When that happens, the next targets aren’t policies. They’re your savings, investments, and future income.

This is why wealthy households carry umbrella insurance.

An umbrella policy sits on top of your existing coverage and only activates in extreme situations. Because it’s catastrophic-only, it’s surprisingly inexpensive. Often a few hundred dollars a year for an extra million dollars of protection.

It’s not exciting. It doesn’t feel productive.
 But it’s one of the highest return decisions you can make in peace of mind.

Today’s Move: Call your insurance broker and ask for a quote on a $1M umbrella policy. Asset building is optional. Asset protection is not.

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