You’ve been paying for insurance your whole life. But do you actually know what you have?

Most people treat insurance like a bill they are forced to pay. The wealthy treat it like a weapon — the foundation of every dollar they have ever built.

After nearly two decades in the financial services and insurance industry — selling it, training thousands of reps on it, and sitting across the table from tens of thousands of real people — author John D. Romero has seen both sides. And the difference between the people who win financially and the people who don’t almost always comes down to one thing: protection.

In COVERED, Romero breaks down every major type of insurance in plain, direct, sometimes brutally honest language. No condescension. This is the insurance conversation a financially savvy older brother or sister would have with you — the one nobody else had. Inside you will learn:

• Why not having liability insurance means you cannot collect pain and suffering — even when the accident is 100% the other person’s fault

• The pension maximization strategy most government employees have never heard — and how a whole life policy can more than double what their family receives at death

• The HSA secret that turns a basic health plan into a triple tax-free retirement account • Why getting long-term care insurance in your 30s is one of the most confident financial moves you can make

• The umbrella policy fine print that leaves most people completely unprotected after years of paying premiums

• The pretax eyewear, dependent care, and adult parent reimbursement strategies most people never use

• And the one insurance nobody talks about that may be the fastest way to build generational wealth from nothing

Whether you are 25 and just starting out or 55 and finally paying attention, this book will identify the gaps in your coverage, show you what needs to change, and give you the confidence to go fix it.

Rich people have always been covered. Now you will be too.

John Romero

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