{"product_id":"insurance-decisions-life-disability-long-term-care-umbrella-coverage-guide","title":"Insurance Decisions: The Complete Household Guide to Life, Disability, Long-Term Care \u0026 Umbrella Coverage (2026)","description":"\u003ch2\u003eStop Guessing. Start Protecting What Matters Most.\u003c\/h2\u003e\u003cp\u003eMost households review insurance the wrong way — checking off policy names instead of asking whether those policies would actually hold up when it counts. \u003cem\u003eInsurance Decisions: The Complete Household Guide to Life, Disability, Long-Term Care \u0026amp; Umbrella Coverage\u003c\/em\u003e gives you a smarter, risk-first framework for protecting your income, your family, your assets, and your future — without the confusion, the jargon, or the false confidence that comes from a checklist approach.\u003c\/p\u003e\u003cp\u003eWritten by True North Wealth Management and updated for 2026, this comprehensive ebook walks you through every major coverage category — life insurance, disability insurance, long-term care planning, and umbrella liability — so you can evaluate what you actually have, identify where you're exposed, and make calmer, more intentional decisions about your household's financial protection.\u003c\/p\u003e\u003ch3\u003eWhat You'll Learn Inside\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003eHow to use a risk-first framework to review insurance — not a product-first checklist\u003c\/li\u003e\n\u003cli\u003eHow life, disability, long-term care, and umbrella coverage fit together in a complete household plan\u003c\/li\u003e\n\u003cli\u003eWhy policy count is not the same as quality of protection\u003c\/li\u003e\n\u003cli\u003eHow to evaluate coverage amount, policy design, ownership, and beneficiary coordination\u003c\/li\u003e\n\u003cli\u003eHow to identify income risk, liability exposure, and care-cost risk more clearly\u003c\/li\u003e\n\u003cli\u003eWhen to review coverage — especially after major life changes, not just at renewal time\u003c\/li\u003e\n\u003cli\u003eHow to distinguish essential coverage from optional add-ons\u003c\/li\u003e\n\u003cli\u003eHow to reduce both underinsurance and false confidence at the same time\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003e🎁 FREE Bonus Bundle — A $197 Value, Yours at No Extra Cost\u003c\/h3\u003e\u003cp\u003eWhen you purchase this ebook today, you'll also receive three powerful companion resources designed to deepen your understanding and help you take action:\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003e🎙️ Podcast MP4 — Insurance Planning Deep Dive:\u003c\/strong\u003e A full-length audio-video session walking through the core concepts in the ebook, perfect for learning on the go or revisiting key ideas.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e🎬 Explainer Video:\u003c\/strong\u003e A clear, visual walkthrough of the risk-first insurance framework — ideal for sharing with a spouse or partner so you're both on the same page.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e📊 Slide Deck:\u003c\/strong\u003e The complete presentation slides used in the explainer video, formatted for easy reference and review at any time.\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003e\u003cstrong\u003eTotal bonus value: $197 — included free with your purchase.\u003c\/strong\u003e\u003c\/p\u003e\u003ch3\u003eWho This Guide Is For\u003c\/h3\u003e\u003cp\u003eThis ebook is designed for households that want a clearer, more practical approach to insurance planning — whether you're reviewing existing coverage, navigating a major life change, or building a financial plan from the ground up. It's written in plain English with real-world examples, so you don't need a financial background to benefit.\u003c\/p\u003e\u003cp\u003e\u003csmall\u003e\u003cstrong\u003eImportant Disclosure:\u003c\/strong\u003e This ebook is for general educational and informational purposes only. It is not personalized insurance, legal, tax, underwriting, claims, or investment advice. Policy language, carrier rules, health history, occupation, property profile, wealth level, state law, and household circumstances all affect insurance decisions. Before changing, buying, or dropping major insurance coverage, review the details with the appropriate licensed professionals.\u003c\/small\u003e\u003c\/p\u003e","brand":"True North Wealth Management","offers":[{"title":"Default Title","offer_id":53414496534835,"sku":"TNE-INS-2026-001","price":27.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0989\/2878\/7763\/files\/Insurance_Decisions__Life__Disability__Long-Term_Care___Umbrella_Coverage_2026___True_North_Wealth_Management_ebook_cover.png?v=1780420467","url":"https:\/\/ebooks.truenorthwm.com\/products\/insurance-decisions-life-disability-long-term-care-umbrella-coverage-guide","provider":"True North eBooks","version":"1.0","type":"link"}