I'm using this one
http://www.amazon.com/gp/product/B001FS5PJ2

it was a little expensive but I had trouble finding a zipper binder in legal size. The company makes it in letter size as well. The paper organizer part is a little thin, the rings are less than 1" IIRC but the pockets on the left work well for my backup drives.

I keep all the joint documents in the three ring part then in the left side I keep 4 individual report covers with personal documents, one for each family member so the wider legal size binder works well for holding the 4 smallwr covers. I did this so if I need one of my kids papers I can just pull out their info and leave the rest in the safe, lessons the risk than having everything out at once.