Review Your Insurance & Risk Protection
Review your current insurance coverage and major financial risks to identify important protection gaps or updates to discuss with appropriate providers or professionals.
What Review Your Insurance & Risk Protection gets you.
By the end of this upgrade, you will have reviewed your current insurance policies and identified specific coverage gaps or updates to address.
- Copies of current policies (health, auto, renters/home, life, disability)
- List of major assets and dependents
- Recent life changes (marriage, new child, new home, new job)
- Current policy premiums and coverage limits
Run the upgrade.
- 01
Inventory your current coverage
List every active policy with its type, coverage limit, deductible, and annual premium.
- 02
Map coverage to real risks
Match each major risk in your life (health event, disability, death, property loss, liability) to whichever policy would respond, and flag anything unmatched.
- 03
Check limits against real exposure
Compare liability limits and coverage amounts to your assets and income; underinsured limits can leave you exposed to out-of-pocket loss or lawsuit.
- 04
Note life changes since your last review
List changes like a new dependent, new home, new vehicle, or income change that may require a coverage update.
- 05
Flag gaps and questions
Write a specific list of gaps or unclear terms (e.g., no disability coverage, unclear life insurance amount) to raise with your provider or agent.
- All current policies are listed with limits and premiums
- Each major personal risk is matched to a policy or flagged as a gap
- A written list of questions or gaps exists to discuss with a provider
- Any recent life changes have been accounted for
Annually
- Re-review after any major life event
- Compare premiums at renewal against other providers
- Update beneficiaries and coverage amounts as circumstances change
This is a self-review checklist, not insurance advice; discuss coverage decisions with a licensed insurance professional.