You insured your phone the day you bought it. Your life, your income, your family's future, those you'll get around to. This book is about the absurd, common gap between what we protect and what matters.
3DIt happens almost automatically: buy a phone, add the protection plan; buy a car, insure it; rent an apartment, cover the contents. We protect our possessions reflexively. Yet the things that truly matter, our ability to earn, our life, our family's security if we're gone, are routinely left unprotected, or under-protected, for years. We insure the replaceable and gamble with the irreplaceable.
You Insured Your Phone confronts this strange inversion of priorities. It contrasts how diligently we cover small, replaceable things against how casually we leave our income and lives exposed, explains why this happens, and resets the hierarchy, showing how to protect what's truly essential first, so that the safety net covers your family's future before it covers your gadgets.
The asset that funds everything is often the one least protected.
Cover for the family's future is delayed while gadgets are insured instantly.
A serious illness's financial impact dwarfs anything a warranty covers.
The plan that keeps a family secure is the one most often missing.
01The Right Tool for the Right Job
02Work Optional
03The Day the Benefits Stopped
04The Tax Illusion
05Worth Millions on Paper
06Too Young, Too Healthy, Too Late
07Nobody Has the Keys
08Yours, Mine, and Theirs
09Advised Everywhere. Planned Nowhere.
10The Phone Call That Changes Everything
11Eighteen Years to Get This Right
12Your Pension Is Here. Your Retirement Is There.
13The Stamp That Expires
14The 183-Day Trap
15Nobody to Fall Back On
16Built by One. Lost by Three.
17The Conversation the Money Needs
18The Child the Financial Plan Forgot
19The Empty Estate
20The Family Philanthropy Playbook
21From Piggy Banks to Private Trusts
22The Family Bank
23The Plan You Think You Have
24Just One More Million
25My Family Would Never Fight Over Money
26I’ll Sort It Out When I’m Older
27Perfectly Logical
28I Was Going To
29More Salary, Less Money
30You Insured Your PhoneNow Reading
31What to Do When the Money Arrives
The Coverage Hierarchy
Invisible Underwriting
The Mobility Gap
Great Coverage. Wrong Risks.
Seven Products. One Survival Layer.The point isn't to buy more of everything, it's to protect in the right order. If your income, life, and health are properly covered, your priorities are already set; this book confirms it.
“You insured your phone the day you bought it. When did you last protect the income that pays for everything?”Dr. Sanjay Tolani
Dr. Sanjay Tolani is a third-generation insurance professional and one of the most decorated financial planners in the world. He qualified for the Million Dollar Round Table at 19, the youngest member in its history, a record that still stands, and has since structured more than USD 25 billion in assets for over 50 high-net-worth families across 53 countries.
Beyond his practice, Dr. Sanjay has built the world’s largest advisor mentoring community, over 200,000 members, all free, and authored books that have sold more than a million copies in five languages. The Right Tool Series makes that same expertise available to families, business owners, and globally mobile professionals who need real plans, not general advice.
02Work Optional06Too Young, Too Healthy, Too Late12Your Pension Is Here. Your Retirement Is There.15Nobody to Fall Back OnThe book is shared on request. Tell us where to send it and we'll get your copy to you.
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