| Term life | Client A | Northwestern Mutual | $3.0M | $2,640 | Apr 2034 | Trust (50%) + Client B (50%) | Current |
| Term life | Client B | Northwestern Mutual | $2.0M | $1,440 | Apr 2034 | Trust (50%) + Client A (50%) | Current |
| Disability (LTD) | Client A | Guardian (own-occ) | $15K/mo | $3,300 | Annual | Self | Current |
| Disability (LTD) | Client B | Group via employer | $8K/mo | Employer | Annual | Self | Current |
| Umbrella liability | Joint | State Farm | $2.0M | $430 | Aug 2026 | — | Underinsured |
| Homeowners | Joint | State Farm | $1.8M dwelling | $2,800 | Aug 2026 | — | Current |
| Auto | Joint | State Farm | 100/300/100 | $1,950 | Aug 2026 | — | Current |
| Health (HDHP) | Family | Blue Shield CA | Family + HSA-eligible | $22,800 (post-tax) | Jan 2027 | — | Current |
| Total annual P&C + life premium (excl. health) | $12,560 | | | |