Protecting your assets takes more than a roof over your head or a lock on the door. Neither will keep out unnecessary taxes nor unwelcome litigation.
It’s good to have doors with locks, but for real asset protection you need to fight paper with paper. Whether your goal is minimizing taxes or a safe harbor for your assets, paper works better when the paper is a life insurance policy with cash values. Many states offer different levels of legal protection against creditors for the death benefit and the cash values of a life insurance policy.