Insurance Decisions: The Complete Household Guide to Life, Disability, Long-Term Care & Umbrella Coverage (2026)

Stop Guessing. Start Protecting What Matters Most.

Most households review insurance the wrong way — checking off policy names instead of asking whether those policies would actually hold up when it counts. Insurance Decisions: The Complete Household Guide to Life, Disability, Long-Term Care & Umbrella Coverage 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.

Written 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.

What You'll Learn Inside

• How to use a risk-first framework to review insurance — not a product-first checklist
• How life, disability, long-term care, and umbrella coverage fit together in a complete household plan
• Why policy count is not the same as quality of protection
• How to evaluate coverage amount, policy design, ownership, and beneficiary coordination
• How to identify income risk, liability exposure, and care-cost risk more clearly
• When to review coverage — especially after major life changes, not just at renewal time
• How to distinguish essential coverage from optional add-ons
• How to reduce both underinsurance and false confidence at the same time

🎁 FREE Bonus Bundle — A $197 Value, Yours at No Extra Cost

When you purchase this ebook today, you'll also receive three powerful companion resources designed to deepen your understanding and help you take action:

• 🎙️ Podcast MP4 — Insurance Planning Deep Dive: A full-length audio-video session walking through the core concepts in the ebook, perfect for learning on the go or revisiting key ideas.
• 🎬 Explainer Video: 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.
• 📊 Slide Deck: The complete presentation slides used in the explainer video, formatted for easy reference and review at any time.

Total bonus value: $197 — included free with your purchase.

Who This Guide Is For

This 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.

Important Disclosure: 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.