Insurance is the thing most high-capacity people ignore—right up until the moment it becomes the difference between a disruption and a financial derailment.

In this episode, Elaine breaks down why insurance isn’t just a bill or boring paperwork—it’s a **wealth protection strategy**. If you’re a high earner with real responsibilities, your biggest asset isn’t your house or your portfolio… it’s your **income engine**. And if that engine stalls, your entire plan feels different.

You’ll learn the core coverages high-capacity people routinely overlook—**disability insurance, umbrella liability, and term life**—plus a simple way to shop without overwhelm and an annual review routine that keeps you protected without making insurance a full-time job.

**In this episode, you’ll learn:**

* Why **disability insurance** is the unsexy MVP (and where employer coverage often falls short)
* How **umbrella insurance** protects your assets and future income from worst-case liability
* When **term life** matters—and how to think about it as protection, not an investment
* The “30-minute insurance method” to compare policies without spiraling
* What to review annually and which life events should trigger an immediate update
* How to align deductibles and waiting periods with your **Buffer and Brickhouse** so your coverage actually works in real life

If you’re building wealth, you don’t just need growth—you need protection. Press play and get your wealth plan insured.

The post Do Different Better – Ep. 97: Soft Life, Hard Reality – 3 Ways the Wealthy Protect Legacy first appeared on AM 950.