@cloreity_:

cloreity_
cloreity_
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Saturday 12 September 2026 21:00:01 GMT
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SAVE THIS POST: Guys!! Do not wait to get insurance. The purpose of insurance is to transfer risk that you do not have the ability to afford. Here’s what you need:   🚗 Auto: Get coverage immediately. You want collision, comprehensive and shoot for at least 500K in liability. Once you save up 3-6 month of expenses you can look to raise your deductible and lower you premium.     🩺 Health Insurance: This is a no brainer. If you are very healthy, or in some cases very unhealthy, seeking a high deductible plan with an HSA attached is a very good move, that allows you to save long term for health expenses is a good move.   🏡 Home/Renters: If you are a renter, you need to make sure your stuff is covered if there is a fire or flood or theft. The landlord isn’t responsible for your stuff. Homeowners remember things like flood and earthquake policies are separate policies to add. So don’t sleep on those!   ❤️ Term Life Insurance: The purpose of this is to replace your income for anyone who is dependent upon it. If you work outside the home get 10-12 times your income in coverage If you are a stay at home spouse look to get 4-6x your income in coverage Even if you don’t have kids, make sure you have insurance so that your spouse or extended family has money to take care of your final wishes.   🤕 Long term disability: Look to replace 60-70% of your income. Self-employed folk - this is costly, do the best you can.   💀Identity Theft Protection: Super cheap and worth it, I use Zander insurance.   ☂️Umbrella: Once you have a net worth of 500k or more you need this to protect your assets. Look to get 1 million in coverage.   👵🏽 Long term Care: (once you turn 60 if you cannot self insure)   I bundled all of these through Zander Insurance and got the best rate. #insurance #insurancetiktok #lifeinsurance #healthinsurance
SAVE THIS POST: Guys!! Do not wait to get insurance. The purpose of insurance is to transfer risk that you do not have the ability to afford. Here’s what you need:   🚗 Auto: Get coverage immediately. You want collision, comprehensive and shoot for at least 500K in liability. Once you save up 3-6 month of expenses you can look to raise your deductible and lower you premium.     🩺 Health Insurance: This is a no brainer. If you are very healthy, or in some cases very unhealthy, seeking a high deductible plan with an HSA attached is a very good move, that allows you to save long term for health expenses is a good move.   🏡 Home/Renters: If you are a renter, you need to make sure your stuff is covered if there is a fire or flood or theft. The landlord isn’t responsible for your stuff. Homeowners remember things like flood and earthquake policies are separate policies to add. So don’t sleep on those!   ❤️ Term Life Insurance: The purpose of this is to replace your income for anyone who is dependent upon it. If you work outside the home get 10-12 times your income in coverage If you are a stay at home spouse look to get 4-6x your income in coverage Even if you don’t have kids, make sure you have insurance so that your spouse or extended family has money to take care of your final wishes.   🤕 Long term disability: Look to replace 60-70% of your income. Self-employed folk - this is costly, do the best you can.   💀Identity Theft Protection: Super cheap and worth it, I use Zander insurance.   ☂️Umbrella: Once you have a net worth of 500k or more you need this to protect your assets. Look to get 1 million in coverage.   👵🏽 Long term Care: (once you turn 60 if you cannot self insure)   I bundled all of these through Zander Insurance and got the best rate. #insurance #insurancetiktok #lifeinsurance #healthinsurance

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