Have you considered a $1,000,000 Personal Umbrella Policy? What is it and how does it work?The first question your financial planner may ask you is if your family has a Personal Umbrella. Why would he or she ask this? They work hard to build your assets and understand that in a blink of an eye, you can lose your savings from a lawsuit.What would happen if you were in a car accident and the person you hit was disabled permenantly or worse yet, killed? Certainly, your auto limits of liability would kick in but to what extent?You can protect your assets (home, investment property, 401k's etc) by insuring yourself and your family with a $1,000,000 Umbrella for under $300.00 per year on average.Scenario 1: The insureds 18 year old soon was driving the Insureds car on a short trip to the store with his girlfriend, the Claimant. The car left the roadway and struck a tree. The insureds son told police a vehicle cut him off, but there were no witnesses and no evidence of any impact with another car. The Claimant has no recollection of the accident.The Claimant was hospitalized for over a month with multiple fractures and internal injuries. She was in a wheelchair but is now able to walk with crutches and continues with physical thereapy. She has a right to drop foot as a result of the injuriies. The insureds personal umbrella policy paid $1,000,000 for injuries and pain and sufferingScenario 2: While playing at a friends house, the insured, their dog bit the child on the face. The child was treated for massive wounds to the face and hands. The Personal Umbrella paid policy limits.Scenario 3: At the insureds home, a hand rail had broken off the deck and the claimant fell 20 feet to the ground. The rail was weak from time and was not supported well. Again, policy limits were paid.In our daily lives we get busy with....well life. Protect your assets that you work hard to accumulate.For more information, please visit our sponsored carrier atwww.moreumbrellainfo.comwww.rickclineagency.comwww.affordableamericaninsurance.com