Insurance Before Adventure

Before any resignation letter, an evening with insurance papers. It is the least discussed prerequisite of a next chapter — because employer-provided cover quietly disappears with the designation, usually exactly when age makes replacing it expensive.

The checklist is short. Health: a family floater owned personally — not through the employer — sized for today's hospital bills, bought while you're insurable; port the corporate policy if you can, before exit. Life: term cover matched to outstanding loans plus the years until the children stand alone — pure term, no investment mixtures. If available and sensible for your profession: personal accident and a liability cover for the consulting work you're about to do.

Price the premiums into the venture plan as non-negotiable fixed costs, alongside the family floor. They are not expenses competing with the dream; they are the licence that makes the dream responsible.

Adventure without insurance isn't courage. It's cost-shifting onto the people you love.