I'm 55, single, retired, and have a net worth of approx. $1.2 million. I rely solely on my investments for my living expenses - no pension (I took a lump sum) and 7 years to social security. I currently carry a $1 million umbrella policy, which I think is adequate. My insurance agent keeps telling my I should increase it to $2 million. What are the guidelines on how much coverage I need? Any retired insurance guys out there?
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