How do I protect my income as a high earner with a big salary to insure?

Your largest asset isn't your portfolio — it's your future earnings, so disability insurance is the cornerstone. Group long-term disability usually caps out at a monthly dollar limit that replaces far less than 60% of a high salary, leaving a serious gap. Close it with an individual own-occupation policy you own, funded with after-tax dollars so benefits arrive tax-free. Some specialists can also stack a supplemental excess-disability policy on top to cover bonus and equity income that standard policies ignore. Pair that with adequate term life if others depend on you, and an umbrella liability policy, since a high income makes you a target for lawsuits. Lock in coverage while you're young and healthy to secure lower rates and the strongest definitions. Size the total need — base, bonus, and RSU income — at wealthserene.com/tools/insurance-calculator, then shop the gap that employer coverage leaves.