The Alden family (fictional) · as of Jul 17, 2026 · market close
0 demo actions this session
POLICIES
8
TOTAL COVERAGE
$21.7M
ANNUAL PREMIUM
$109k
OPEN GAPS
2
Coverage gaps & risks
- GAP
No cyber / crime policy for Meridian
The fabrication business carries no cyber or crime cover. Worth a quote for review with the insurance advisor - not advice, and no view here on adequacy.
- GAP
No disability cover on the principal
There is no individual disability policy for Marta on file. A continuity risk if she is unable to run the company; one to raise with the advisor.
- REVIEWLA-1 →
Umbrella limit vs. net worth
The $5M umbrella is modest against a ArkLegacy net worth in the tens of millions. Whether to raise the limit at renewal is a question for the insurance advisor, surfaced here for the conversation.
Renewals within 120 days
- $5M personal umbrella & excess liabilityAug 12, 2026 · in 26d
- Homeowners - lake cabinSep 15, 2026 · in 60d
- Homeowners - primary residenceOct 5, 2026 · in 80d
- Commercial property & business interruption - plantNov 1, 2026 · in 107d
- Business general & product liability - MeridianNov 1, 2026 · in 107d
$5M personal umbrella & excess liability
UMBRELLA · Sable Ridge Insurance (fictional)
Renews Aug 12 at +12%. Decision LA-1: accept the quote or rebid with two carriers.
Marta & Paul Alden (household)
$5.0M · ded 0
$9,520/yr
renews Aug 12, 2026
Marcus Feld, CLU · Feld Risk Advisory (fictional)
Homeowners - primary residence
PROPERTY (HOME) · Sable Ridge Insurance (fictional)
Dwelling and contents on the trust-titled residence. Umbrella sits above this policy.
Primary residence (RE-HOME)
$1.6M · ded $10k
$6,200/yr
renews Oct 5, 2026
Marcus Feld, CLU · Feld Risk Advisory (fictional)
Homeowners - lake cabin
PROPERTY (HOME) · Sable Ridge Insurance (fictional)
Seasonal second home. Confirm off-season vacancy terms before winter.
Lake cabin (RE-CABIN)
$900k · ded $8k
$3,400/yr
renews Sep 15, 2026
Marcus Feld, CLU · Feld Risk Advisory (fictional)
Commercial property & business interruption - plant
PROPERTY (COMMERCIAL) · Continental Yard Mutual (fictional)
Building, equipment, and business-interruption cover on the operating plant. Held through the company.
14 Foundry Rd building & contents (RE-PLANT / MFC)
$3.2M · ded $50k
$41,000/yr
renews Nov 1, 2026
Marcus Feld, CLU · Feld Risk Advisory (fictional)
Business general & product liability - Meridian
BUSINESS LIABILITY · Continental Yard Mutual (fictional)
General and product liability for the fabrication business.
Meridian Fabrication Co.
$2.0M · ded $25k
$28,500/yr
renews Nov 1, 2026
Marcus Feld, CLU · Feld Risk Advisory (fictional)
Key-person & buy-sell funding term - Marta
KEY PERSON · Northwind Life (fictional)
Cross-purchase term backing the buy-sell agreement (LA-6). Funds the share purchase if Marta is lost.
Marta Alden (key person, MFC)
$4.0M · ded 0
$12,800/yr
renews Feb 1, 2027
Marcus Feld, CLU · Feld Risk Advisory (fictional)
Term life - Marta
LIFE · Northwind Life (fictional)
Revocable trust is primary beneficiary (continuity register K9).
Marta Alden
$3.0M · ded 0
$4,100/yr
renews Jun 1, 2031
Marcus Feld, CLU · Feld Risk Advisory (fictional)
Term life - Paul
LIFE · Northwind Life (fictional)
Revocable trust is primary beneficiary (continuity register K9).
Paul Alden
$2.0M · ded 0
$3,300/yr
renews Jun 1, 2031
Marcus Feld, CLU · Feld Risk Advisory (fictional)
ArkLegacy is not an insurance broker and takes no position on whether any coverage is adequate. Policies, limits, and renewals are inventoried for the family and its advisors; decisions rest with the family and a licensed professional.