Layer 02 — Protection
The Protection Layer
Protection planning is the part of the structure that asks what must remain financially intact if life does not go according to plan.
The Protection Layer evaluates family income, business continuity, estate liquidity, long-term care exposure, and wealth-transfer obligations through insurance-based strategies.
Protection should match the obligation.
The right amount of protection cannot be determined by a simple rule of thumb. It depends on income, debt, dependents, business obligations, estate goals, survivor needs, long-term care exposure, and liquidity requirements.
A policy should not exist simply because a product was available. It should exist because a specific obligation needed to be protected.
What the Protection Layer May Include
- Life insurance planning
- Long-term care planning
- Disability and income protection coordination
- Business protection
- Key-person insurance
- Buy-sell funding
- Estate liquidity
- Survivor income planning
- Legacy protection
Questions the Protection Layer Should Answer
- —What income must be replaced?
- —What obligations must be funded?
- —What happens to the business if a key person is lost?
- —What happens to the family if care needs arise?
- —What estate liquidity should be protected?
- —Which risks should be transferred instead of self-funded?
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Evaluate your protection structure.
Private access is designed for clients who want to determine whether their protection planning matches their actual obligations.