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Territory 05 · Insurance

Protect the income, people and assets you can't afford to lose.

Coverage is never the glamorous part of a plan — it's the line between a setback and a full reset. Organized by what can go wrong and which asset is exposed, not by policy type.

Income first — For most early-career earners, protecting future income (disability cover) is usually a bigger gap than a headline life-insurance figure.

Lessons

  • Protecting future income first — Core · 5 min read
  • Term vs. permanent life insurance — Easy · 5 min read
  • How much life insurance you actually need — Core · 6 min read
  • The coverage you can probably skip — Easy · 4 min read

Reads

  • The asset you forgot to insure — Featured · 5 min read
  • Disability cover, in plain language — Article · 5 min read
  • Reading a policy without the jargon — Article · 4 min read

Charts

  • Income replacement gap — See how this reads for the sample household
  • Coverage by life event — Where the plan holds
  • Estate liquidity at death — Explore the exposure

Open Insurance in the app