THE INSURANCE READINESS CHECKLIST
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A simple guide to help you prepare for a productive insurance conversation.

1. YOUR PRIORITIES
- Who or what are you trying to protect?
- What financial responsibilities would continue if something changed?
- What is your biggest concern about your current coverage?

2. DETAILS TO GATHER
- Current policy documents and renewal dates
- Household income and major monthly obligations
- Employer-provided coverage details
- Important family, health, property, or business considerations

3. QUESTIONS TO ASK
- What is covered, and what is excluded?
- How much coverage is appropriate for my situation?
- What happens if my needs change?
- Are there waiting periods, deductibles, or limitations?
- How does the claims process work?

4. COVERAGE GAPS TO REVIEW
- Recent marriage, children, home purchase, or career change
- New business responsibilities
- Changes in health or family caregiving
- Policies that have not been reviewed in the last 12–24 months

5. YOUR NEXT STEP
Write down your top three questions and schedule a no-pressure coverage review with an independent insurance advisor.

This checklist is educational and does not constitute insurance, legal, or financial advice. Coverage availability and terms vary by carrier and location.