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Age 65+Household of 2No children at homeHomeowner

Retired couple in Vancouver: insurance assessment

Seven product lines assessed for a 65+ household, Household of 2, Homeowner

Estimated yearly cost of essentials
$3,928–$10,031/yr

What usually gets missed

⚠ HomeSuggested coverage $750,000 · $2,205–$2,753/yr

Rebuild costs have risen faster than home prices; coverage left unchanged for years leads to underpayment

⚠ TravelSuggested coverage $5,000,000 · $263–$307/yr

Long stays abroad are routinely underinsured for medical, and US care is expensive

All seven product lines

Travel
6 carriers
EssentialSuggested coverage $5,000,000$263–$307/yr
Home
6 carriers
EssentialSuggested coverage $750,000$2,205–$2,753/yr
Auto
8 carriers
EssentialSuggested coverage $2,000,000$1,460–$6,971/yr
Critical Illness
6 carriers
OptionalSuggested coverage $100,000$4,116–$4,860/yr
Term Life
6 carriers
OptionalSuggested coverage $500,000
Est. annual return 3%
$4,875–$5,765/yr

How this was calculated

  • · Illustrated annual return is an estimate only and is not guaranteed.
  • · Property coverage uses the rebuild band of the local median home (assessed $1,450,000)
  • · Life coverage uses DIME: income replacement + debts + final expenses + education, minus existing coverage
  • · Auto assumes the representative age, a sedan, and $2M third-party liability

Based on published rate tables and local property statistics. These are estimates, not underwriting decisions: your actual premium depends on your situation and the carrier.

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