You’re caring for your parents. You’re caring for your kids. Who’s planning for you?
Coverage strategies built for the people quietly carrying everyone else — designed around the reality of your day, not a spreadsheet.
You are the plan right now. That’s the problem.
You drive your mom to her appointments. You sit on hold with the pharmacy. You handle bedtime, the school pickup, the grocery list, the work deadline — and somewhere in there, you make sure your dad took his medication.
You are, quietly, the entire infrastructure for two generations. Which means if something happens to you, the entire infrastructure goes with you.
Most agents won’t see that. They’ll see a 40-something with kids and pull a standard term policy off the shelf. That’s not a plan. That’s a placeholder.
What most caregivers don’t see coming.
The dual obligation gap. Standard policies are sized for “kids until 18.” Yours needs to cover kids and care for aging parents — often for decades.
The lost income blind spot. The unpaid hours you give to caregiving have real economic value. If you’re gone, that work has to be paid for by someone.
The Medicaid spend-down risk. If your parents rely on you and resources have to be liquidated, the wrong move can disqualify them from long-term care benefits.
Your own retirement. Caregivers are statistically the most under-protected demographic for their own future — because they spend their savings caring for others.
The coverage I design for sandwich-generation families.
The right plan for you isn’t one policy. It’s a structure — usually a layer of term coverage sized for your active caregiving years, plus a smaller permanent policy that doesn’t expire when your obligations don’t.
We also look at what’s already in place: any group coverage through work, any policy your parents already have, and how those pieces interact. The goal isn’t to sell you more. It’s to make sure what you already pay for is actually doing what it should.
- Coverage sized for both directions of obligation
- Designed around real caregiving hours, not just income
- Coordinates with any policy your parents already hold
- Annual review — your situation will change, your plan should too
You spend your life making sure no one else falls through the cracks. The least you deserve is a plan that catches you, too.
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