Checklist · Protection planning
Before changing a policy, know what the coverage is supposed to solve.
A useful review starts with obligations, people, ownership, beneficiaries and liquidity. Not just premium and death benefit. Replacing a policy on price alone is how people lose coverage they cannot get back.
The six things worth checking.
Income replacement
What income would need to continue, for whom, and for how long?
Debt and liquidity
What debt, taxes, estate costs or cash needs could appear at the wrong time?
Family obligations
Dependents, education, caregiving and long-term family priorities.
Business exposure
Key-person, buy-sell, continuity and ownership transition questions.
Beneficiaries
Ownership and beneficiary designations should match the planning intent.
Policy fit
Term, permanent, employer and legacy coverage all have different jobs.
Request the checklist
Ask for the checklist, or a full protection review.
I will send the checklist and, if you want, walk your existing policies through it with you. Please leave policy numbers and Social Security numbers out of the form.