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Ensure your liability limits are high enough to protect your total net worth. 📉 How to Choose the Best Value

Use sites like AM Best or J.D. Power to ensure the company has the financial strength to pay claims. ⚠️ Common Pitfalls to Avoid

A single major surgery or ER visit can cost tens of thousands of dollars.

Low out-of-pocket maximums if you have chronic conditions; high-deductible plans (HDHP) with an HSA if you are young and healthy. 2. Term Life Insurance

Liability coverage is the most important part; it pays for legal fees and damages if you are sued after an accident.

You are statistically more likely to become disabled during your career than to die prematurely.