☐ Do you know the total amount of coverage you have?

☐ Is your coverage term or permanent (or both)?

☐ Are all policies current and in force?

☐ Have your beneficiaries been updated in the last 2 years?

☐ Does your coverage align with current income, estate, or business needs?

☐ Have you reviewed policy loans or withdrawals?

☐ Do you have coverage outside of what your employer provides?

☐ Does your coverage replace at least 60% of your income?

☐ Is your policy individually owned or employer-sponsored?

☐ Do you have an own-occupation definition of disability?

☐ Do you have a standalone LTC policy or a hybrid life/LTC policy?

☐ Have you reviewed the benefit amount and waiting period recently?

☐ Does your policy keep pace with current care costs?

☐ Is your buy-sell agreement funded with life and disability insurance?

☐ Are key-person policies up to date?

☐ Have you reviewed policies for business succession or estate liquidity

☐ When was your last full insurance review?

☐ Are all policies stored securely and accessible to trusted contacts?