Your insurance and risk planning are big pieces of your overall financial picture. Use this checklist to make sure your coverage still fits your goals and any life changes.

1. Review Your Current Insurance

☐ Make sure all your policies are active and current
☐ Double-check policy details and listed beneficiaries
☐ See if your coverage amounts still make sense for your life today

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2. Take a Fresh Look at Life Insurance

☐ Ask if your current coverage would support your family’s needs
☐ Consider whether term, whole life, or a mix is right for you
☐ Review any group life insurance you get through work

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3. Health Insurance Check-In

☐ Confirm you’re covered for both regular and unexpected needs
☐ Go over your prescription, dental, vision, and paramedical benefits
☐ Make sure you are utilizing all your benefits

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4. Disability Insurance Review

☐ Know whether you have coverage through work or on your own
☐ Review the fine print: how disability is defined, how long you’d wait, and how long it pays
☐ Make sure it lines up with your monthly income needs

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5. Property & Casualty Insurance

☐ Review your home and auto coverage
☐ Check if your limits and deductibles are still a good fit
☐ Add protection for high-value items (jewelry, art, electronics, etc.) if needed

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6. Personal Liability Coverage

☐ Make sure you have enough personal liability protection
☐ Consider an umbrella policy for extra peace of mind
☐ Cover any liabilities from rental properties or businesses you own

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7. Overall Risk Management

☐ Think through any life changes—new home, job, health shifts, or travel plans
☐ Create or update your plan to handle these risks
☐ Add risk planning into your next retirement check-in

Let’s Talk Strategy

If you’d like to review your plan or have questions about anything on this checklist, we’re here to help.