Insurance & Risk Management — The Floor

Term life cover sized to dependents' actual need and in force. Health insurance architected (base + super top-up) for real metropolitan medical costs. Every investment-bundled insurance policy in the household identified and the surrender math run. The emergency fund sized to your income structure (12 months for independent operators, not the standard 6) and placed in the right vehicles. The aging-parents medical risk moved from implicit to planned. Disability and critical-illness decisions made explicitly, with reasoning. Insurance is exception handling, bought at the architecture level. Term life is the catch block for death-before-dependents-are-independent; health insurance for medical tail-risk; the emergency fund is the retry buffer for everything smaller. The premium is the cost of the try/catch; the cover must match the worst case the dependents face, not the average case. The bundled product is the anti-pattern of a handler that also performs unrelated business logic: insurance-plus-investment does both jobs worse than the unbundled pair, and the abstraction leak is priced at 4-6 points of annual return. And the emergency-fund sizing is the runway question: a company with one major customer holds more runway than one with fifty — so does an engineer with one major client.