Your coverage-review checklist

1. Gather your current picture.

• List individual policies and workplace coverage, including the insurer and where records are stored.
• Note coverage amounts, premium payments, renewal or end dates, and any questions about guarantees.
• Keep account numbers and personal documents private. Ask us how to share anything needed appropriately.

2. Revisit the purpose.

• Who depends on your income, caregiving, household work or business?
• Which responsibilities would you want covered, and for how long?
• What resources and coverage do you already have?
• What payment could you comfortably sustain?

3. Review the people and details.

• Ask the insurer to confirm primary and contingent beneficiaries and the process for making changes.
• Check whether marriage, divorce, a birth, a death, a move or a job change calls for a review.
• Tell a trusted person where to find insurer contact details.

4. Bring your unanswered questions.

• What happens to workplace coverage if employment ends?
• What exclusions, waiting periods, riders or access restrictions need explanation?
• If a policy has cash value, what do the current statement and any loans show?
• Are the premiums and coverage still aligned with your priorities?

A review does not require buying or replacing a policy. Do not cancel existing coverage before reviewing consequences and confirming any replacement is in force.

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