Most people assume nothing bad will ever happen to them, but a single accident could wipe out a family’s savings and assets. Why take the chance? Purchasing a personal umbrella policy is a simple, affordable way to protect your clients from the financial devastation of an accident or lawsuit.

More than 80% of Americans don’t have disability coverage, putting them at risk for major financial distress should a serious illness or injury impede their ability to work. Private long-term disability insurance should be a foundational element of any financial stability plan, helping clients recover when faced with the unexpected.

In recent years, home-sharing or home stays have become a popular lodging option for travelers, allowing them to stay in a place that best fits their needs and perhaps offers a more unique experience. As of 2022, there were nearly 4 million hosts offering more than 6.6 million Airbnb listings alone worldwide (source 1). Nearly 1.4 million of those listings are in the United States with the number of U.S. listings growing 23.2% from 2021 to 2022 (source 2). In addition, home rentals are offered by several other well-known home share sites including FlipKey, HomeAway, and VRBO.

In the summer of 2014, a near-perfect copy of Action Comics No.1, the first comic book featuring Superman in 1938, was listed for auction on eBay. Bidding began at less than $1. Within 2 hours, it had skyrocketed to $1.6 million. The comic ultimately sold for more than $3.2 million, making it the most expensive comic ever sold at the time. This is a prime example of how collectibles like comic books, sports memorabilia, fine art, or other items can become more valuable over time. Collectibles can also be rich in nostalgia, history, and memories, making them priceless to an owner (source 6). Once a collection becomes valuable, it’s wise to see that it’s adequately insured.