Cycle of Life (Insurance)

First Decade	Parent's health
Second Decade	Parent's health; Auto
Third Decade	Employee's health; Auto
Fourth Decade	Employee's health; Auto; Term Life
Fifth Decade	Employee's health; Auto; Term Life; Umbrella
Sixth Decade	Employee's health; Auto; Term Life; Umbrella; Long Term Care
Seventh Decade	Retirement health; Auto (if you're lucky); Whole/Annuity/Trust Life; Umbrella; Long Term Care; Social Security