Is It Time for a Holistic Review of Your Insurance Coverage?

Health, life, disability, and long-term care insurance are all essential components of a strong financial plan. But too often, people treat them as “set and forget” items. Once in place, they put them “out of sight, out of mind”...when most often, they should remain top-of-mind.

Policies that were appropriate a few years ago may no longer align with your current life circumstances, financial goals, or risk tolerance. That’s why we encourage a yearly review of your insurance coverage.

Health and Life Insurance Policy Checklist

To help get you thinking more holistically and regularly about the full realm of health and life insurance policies put in place to protect your health, wealth, family, and assets, we’re sharing our latest resource:

“What Issues Should I Consider When Reviewing My Health and Life Insurance Policies?”

This detailed checklist is designed to help you assess whether your current coverage still meets your up-to-the-moment existing and future needs and to help identify where gaps or opportunities might exist.  

This short self-assessment will walk you through key questions related to:

• Health insurance, including employer plans, Medicare, and private market policies

• Life insurance, from term and permanent policies to beneficiary designations

• Disability insurance, with a focus on coverage adequacy and coordination with other benefits

• Long-term care insurance, including coverage types, inflation riders, and cost changes

Commonly overlooked considerations covered in this resource include questions such as:

Do the owners and beneficiaries of your policies need to be reviewed and updated?

If your employer provides disability insurance, do you need to review the coverage to determine if it is adequate?

Have you received any notices of a premium increase from your long-term care insurance policy provider?

Have your life insurance needs changed, such as the need to fund future expenses like raising children or funding college?

Whether your goal is protecting your family, reducing financial vulnerability, or optimizing policy performance, this checklist will help you make more informed decisions and establish the framework for you to conduct regular reviews of both your policies and your updated life situation as you age.

👉 Download the checklist now, and take the first step toward ensuring your insurance aligns with the life you’re living today.

Once you've reviewed the results, we’d be happy to walk through your results and discuss how to implement any changes that you may then want to consider.