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As your career grows, your compensation, assets and lifestyle usually follow suit – and so has your risk exposure. Is your insurance relationships and policies keeping up?

It’s not unusual that individuals collect policies and experts as they advance through the stages of life. As a young single person, you you probably haven’t given a thought to life, disability or even renters insurance. Your marriage possibly could have prompted the purchase of life insurance and buying your first home introduced you to property coverage. If you don’t have life insurance already, having of a child can make that a priority along with disability coverage.

Your compensation might have changed your lifestyle as an executive. Have you accumulated grown-up toys like expensive cars, personal aircraft, boats, motorcycles or even horses? Do you have pricey collections like fine art, jewelry or a wine cellar? You should have had all those items documented with paperwork or photos, or appraised and added the appropriate riders.

As your income increases, so does your need for disability coverage, particularly if your spouse doesn’t work. If you bought disability coverage a few years ago, have you recently checked to make sure it still gives adequate replacement for your improved income?

Domestic employees can become more common when the the pressure on your time goes up. Depending on the state, you could be required to give insurance to your nanny, housekeeper, groundskeeper, driver or personal assistant.

Regular homeowners insurance might not give enough coverage for custom-built new houses or historic homes. While replacement cost coverage sounds wonderful, a lot of insurers cap rebuilding costs. Guaranteed replacement does not have a cap, and many companies have specific policies that are designed to replace unique and pricey details of historic homes or to cover the cost of rebuilding historic homes in agreement with current building codes.

The amount of insurance relationships and policies you may have accumulated over the years may no longer be enough. A comprehensive risk management plan looks at every angle of potential loss, determines which would have the most devastating impact on your financial well being and finds solutions to lower those risks. Talk to your financial advisor or insurance professional to make sure your solutions still fit.

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