What’s the max umbrella policy coverage y’all have seen offered by insurance providers? Looking to get one for the first time. Anything I should consider/ask the insurance company?

like
Posting as :
works at
You are currently posting as works at

Rule of thumb is to purchase coverage equal to net worth

like

Absolutely way more than what you need. I have personally seen quotes for $30mm (not that I purchased anything close to that)

Remember that 401ks are usually off limits and home and IRAs may be depending on state. You may not need an umbrella policy.

No, you get the highest limit to get you the best lawyer to protect the assets that aren’t protected. Assuming the op is a young professional, his/her biggest asset is their future earning potential which is not protected.

1M

Related Posts

EY folks, anyone get their Invisalign covered by insurance?

like

Having a baby and looking for consulting exit opps. I’ve been in strategy consulting for two years and recently promoted to manager. All projects were in tech or LS. Prior to consulting I have 10 yrs of Pharma experience with a MS in Engineering (non-CS) and data science. Fluent in Python, Ruby and Java but never coded professionally. Spent several years in process engineering and then project management. Interested in tech or digital health. Any advice on companies, roles and levels?

like

I have started 'no screens' hour as the first hour when I wake up and the last hour before I sleep.

I realized there is no need to start thinking of that meeting, or how to create that presentation from the moment I wake up.

What is that 1 change you made to your lifestyle that has helped your mental wellbeing?

like

Has anyone here worked with TRS Healthcare (travel agency)? Any recs for good agencies or tips for first time travelers?

like

How do you add positive structure to your life outside of work? I am way too worn out when I get home and my ADHD just takes over...

like
like

Any tips on how to improve lining thickness? My RE had me on Estrace for a week before starting Prometrium (vaginally) a few days ago, but my lining is only a little above 5mm. Looks likely that this FET cycle is going to get canceled (was potentially going to be this weekend) since the lining doesn’t seem to be thick enough. This will be the 3rd transfer cycle that’s getting canceled, it just really sucks...what’s worse is I didn’t see my doctor today, just the sono tech, (cont’d)

like

Does anyone here work in the Middle East? I am seeking opportunities in the healthcare consulting space and would appreciate any leads.

like
like

Hi Everyone!
I have an interview coming up for an Account Manager in Healthcare. I have 9 years experience in Healthcare Revenue Cycle Management and a degree in Communications but no direct experience as an Account Manager. Any idea what a fair salary would be for Bay Area California?

like

Can any healthcare bankers with experience in dealing with Canadian Healthcare system shed some light on why the system is inefficient and why it takes so long to see a specialist?

like

Business Owners - what are you doing for health insurance?

Good morning! What auto insurance do you recommend at Bay Area? Just moved here and my State Farm premium almost doubled. Thanks!

like

Has anyone had any side effects from Ovidrel? I did my shot on Wednesday night and Thursday and Friday I was SO tired and fatigued and it was impossible to focus. Did my IUI on Friday and I’ve been SO crampy and in pain and I’m soooo cranky and irritable and I can’t figure out if it’s from the injection still or what

Its official im losing hair because of this job.... went to hair doctor and was prescribed medication. im only 25.

likefunnysmarthelpful

Why do recruiters never tell you which agency they want to talk to you about until they get you on the phone? I don’t want to waste anyone’s time and it would be helpful to know this info from the initial outreach. My experience with this only applies to healthcare, but would imagine it’s the same in consumer as well. Anyone?

like

New to the U.S., is the Healthcare Industry (via HIPAA), the only industry in the U.S. that legally mandates having a designated Privacy Officer? So for example, although GLBA has obvious privacy requirements, unlike with healthcare, financial institutions in the U.S. are not mandated by law to have a designated Privacy Officer?

like

I want to know whether the Medical Policy of 3 Lac which is given by the company by default in which along with me my immediate dependents like my spouse and children are covered or not?

like

What is the correct path to obtain entry level positions in clinical research. My background is in health sciences and work experience has been 3 years as a clinical lab scientist. I have not been getting a whole lot of interviews, but the Interviews that I have secured went well but still resulted in being ghosted by the employer. Thx any advise and help is appreciated!

like

How is Bain & Company’s Healthcare Practice? I know McK is solid for physicians and military folk, but I don’t know anything about how Bain would be for a doc

like

More Posts

What's the hike percentage on promotion in BNY Mellon and what's it without promotion for Pune India operations?

like

Considering moving from staff to freelance producer. Any advice for getting started in freelance? Are their any resources for determining an appropriate day rate (other than the post below)?

like

Looking for recommendations for directors with luxury/ beauty/ car experience for upcoming shoot. Thanks

like
like

For anyone who was able to make the move from FDD to IB, outside of Compensation, what have you enjoyed more about IB?

like

How much bonus is usually paid by Accenture in strategy? (In terms of percentage)

like

Can anyone give me their honest opinion on working at Eli Lilly, the Indy site? I have a few coworkers that have worked there in the past but no one recently. I’m currently being recruited pretty seriously for a in-vivo technician position in the auto-immune team, but I already have a job lined up at Envigo as a small animal sx tech. Salaries would be comparable (Lilly would most likely be a little more with bonuses), but if the culture sucks, I’d hate to burn a bridge with Envigo.

like
like
like

How many of you that have been in PA for at least 10 years feel like you are a well rounded individual? Is your personal identity only about your job, status, and wealth or do you have enough contd

like

Has anyone had a misdemeanor charge(s) and had to report it to NASBA when applying for the CPA? If so, how did you present the explanation of the misdemeanor charge(s)?

likehelpful

What are the best ways of tax exemption

like

Hi Fishers,

Can anyone please refer me for boutique management consulting firms as I have less than 1 year of experience and I think it's hard for me to get into top consulting firms. I am looking for a job as I want to switch to management consulting.

I would also like to know what upskilling should I do to be a better fit for management consulting. I currently work as a Market research analyst.

Any help from the community will be really helpful. Thanks in Advance!

like

Does any one know UK onsite salary for manager role for short term

What is the *prime* amount of money to bring you happiness?

like

Do tech companies in Canada give out RSUs or equivalent?

I was Listening to a podcast today about people in US tech getting rich from 50k to 100k of annual RSUs in the US that vest over 3 to 5 years then making millions when the company exits.

Wondering if there are similar opportunities in Canada or is it less common to receive a decent amount of equity here?

like

Are there any SAP / IT Project management related full time or Contract opportunities in Houston?

Hi Everyone,

Could you please refer me in Infosys.
I have an experience of 2.9 years in Mindtree as Devops Engineer.
Currently serving my notice period.
Thanks in Advance.

Regards,
Sravani

Do Wipro gives WFH reimbursement? If yes how much does it offers?

like

Additional Posts in Personal Investment Chatter

Recommendations for best ways to save for retirement after contributing to 401k up to match and maxing out Roth IRA?

like

Is there an app/software to consolidate and track your investments across different asset classes? (ETFs, stocks, bonds, crypto)

like

Want to start saving/investing from this year. Got £11K and will have £2K a month to invest - any recommendations? I don’t want to take crazy risks, somewhere where this is steady long term growth. Have already maxed out pension and I assume next step is maxing out ISA? After that, what is best? (From UK)

like

Share the most interesting/spammy DMs you have received in Fishbowl

Post Photo
funnylike

Anyone have an HM Bradley referral they’d like to share w me? Feel free to PM me if you don’t want to post your referral link.
Thanks 🐠

like

Anyone else long on AMT?

like

Who’s buying the dip today?!

like

I’m 25 and have found a duplex I’m considering purchasing as a rental property. Planning on renting both units and have the cash to make the down payment without an issue. My cash flow analysis has a payback period of 3 years for my down payment and a 13 year payback period for the whole investment. I think financially it makes sense. My question is, is it realistic for a 25 year old young professional to handle dealing with all the extra curricular’s that come with owning a rental property ?

like
like

Is anyone nervous about the whole Russia situation and how that may affect the market if an actual invasion takes place? Do you think it makes sense to take out investments just until things settle down, or even assuming the fed will increase interest rates? Thoughts?

likesmart

Just checked my credit score and it’s an 835. Is it possible to ever get an 850? If so how? (Know it’s not impacting any of my loans, just curious)

like

Is there any website to get a template for decent/basic contracts (i.e. leases, purchase agreements, partnership agreements)? I want a base to start, without having to sign up for a free trial and then get hit with a bill when I forget to cancel...

like

Can’t find the bowl for this but quick question -
What are some credit cards like the Apple Card that don’t have any physical numbers on them?

I like the Apple Card and considering opening one but want to see if there are better alternatives. It’s enticing that if I lose my card, I can instantly change the number so someone can’t use it. Plus no numbers means someone can’t randomly make a large fraudulent purchase.

like

I’m thinking of opening a TD Ameritrade account for investing - does anyone use this/have any feedback? For reference, I recently graduated and have no prior investing experience, so any feedback on investing is appreciated :)

like

Is there a way to get closer to the 58000 total contribution limits in a 401k after initial contributions up the 19500 limit? My employer match isn’t great but I’ve maxed out my contributions this year and they’ve only added an additional 1500 so I’ll be at 21k total in the account for the year. How can I get more in there to bridge that 37k gap? Or can I?

like

How do you start searching for mortgage loans and what do you look into lender

like

At what point does it make sense to buy a home? I have ~700k in the stock market and a lower than average salary currently (80k) and pay 1800 a month in rent.

like

I have been getting a lot of postal mail addressed to different people last couple of months including insurance, unpaid bills and federal mail as well. Not sure what’s going on because I have been living at this place for over 3 year and this just started last couple months. Could this be some of sort of identity theft attempt?

like

Max out HSA or IRA first?

like

This reminds me of all the Chads and Brads Crypto Bros. 😂🙄

Post Photo
likefunny

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Scan your QR code to download
Fishbowl app on your mobile

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal