Insurance Strategies
Sterling analyzes 8 Insurance topics against every household.
| Topic | What it does |
|---|---|
| Disability Insurance | Analyze disability income coverage for each earned-income household member and emit a purchaseInsurance directive sized to close the income-replacement gap to retirement. |
| Health Insurance Through Spouse | Evaluate whether the household should move family health coverage onto the spouse's W-2 employer plan when the other spouse is self-employed. |
| Irrevocable Life Insurance Trust | Use an ILIT to own life-insurance policies so the death benefit passes to heirs outside the taxable estate. |
| Life Insurance Beneficiaries | Audit each life insurance policy's primary and contingent beneficiaries against the household's current family circumstances and recommend updates where the chain is outdated or misaligned. |
| Long-Term Care Insurance | Evaluate LTC insurance need against the household's self-insurance capacity and emit a purchaseInsurance directive sized to a recommended monthly benefit when the household sits in the middle wealth band. |
| Medicare Supplement Plan | Evaluate Medigap vs Medicare Advantage tradeoffs for each Medicare-enrolled household member and recommend a supplement structure aligned with the household's health and travel profile. |
| Term Life Insurance | Evaluate each household member's term life insurance gap and emit purchaseInsurance directives sized to the recommended face value and term length. |
| Umbrella Insurance | Evaluate personal umbrella liability coverage against household net worth and emit a purchaseInsurance directive sized to the recommended limit. |