You build it
Income, debts, who depends on you.
You see the shape
Live draftFour shields, drawn from your numbers. The arithmetic is printed under each one.
Home Shield
Term coverage sized to the mortgage, so the house is paid for if you're not here — with living-benefit riders where available.
Paycheck Shield
Income replacement for the people who count on it, plus disability coverage while you're alive to need it.
Care Shield
Hybrid long-term care: pays for care if you need it, pays your family if you never do.
Legacy Shield
Permanent coverage for what should outlast you — final costs today, an estate if you choose to build one.
This is a coverage-shape worksheet, not a quote and not advice: simple arithmetic on the numbers you set, shown so you can check every step. It is not an offer of coverage or a quoted rate and not individualized financial, legal, or tax advice. What a policy actually costs — and what you qualify for — is set by carrier underwriting. That's the fifteen-minute call.