Your policy duplicates at least three coverages. Save $22,000 with the right policy. Create a Wealth ReserveTM to self-insure small risks. Accumulate $100,000 in 15 years to protect your future. Why are you paying for coverage twice in your auto policy? Are you really protecting your family and assets well? Are you paying more than you need to pay? In the 21st century, you can purchase all your financial needs at a substantial discount, some to 300%. I will show you how to buy value-quality at the right price. Avoid fees and commissions. Build your own wealth; not that of your insurer. You may be paying more premium than you need to. The same 2-car policy can cost $1,400 or $3,600. You may be paying for things in your policy you don't even need. You are probably using name-brand companies that are in business to serve their agents and their stockholders more than to serve you. You may not shop for value. When you use our suggestions and start saving premium every year, you can build your Wealth ReserveTM. This tax-FREE fund can help you save even more by using the strategy most businesses use to save on insurance. They self-insure small risks and save big. Most businesses pay less for their insurance needs by using their own tax-advantaged accounts to pay for small losses, if they occur. You can do the same with your Wealth ReserveTM. You build your Reserves, not those of your insurer. Like most businesses, you can develop your own plan of risk management. Instead of paying for insurance you don't need, you tailor it to your "lifestyle." For instance, you probably pay for death, disability, and health benefits from your vehicle insurer. You don't need to pay their high rates if you already own the right policies. Drop the double coverage. Skip all the extra commission items.