Have these nearby
Your policy, latest statement, and work-benefit details if relevant. Keep them with you; this page does not collect documents.
List the people who rely on your income or care. Note changes such as a child, a mortgage, a new job, or an added caregiving role.
Ask: “What has changed since I chose this amount?”
Find the policy and latest statement. Check the benefit amount, policy type, coverage end or renewal date, and whether coverage is tied to your job. Ask the insurer to confirm the policy is active.
Ask: “When can my coverage or payment change?”
Check primary and backup beneficiaries and their contact details. Ask how the insurer handles any intended benefit for a minor. Make changes through the insurer’s process.
Ask: “Are my designations current and properly recorded?”
Look at the payment amount and schedule, including future increases shown in the policy. Compare them with the household budget you actually live on.
Ask: “What could this cost later, and what is guaranteed?”
For a policy with cash value, ask for a current statement and an updated illustration when appropriate. Separate guaranteed values from assumptions. Ask about loans, charges, and anything you do not understand.
Ask: “Which values are guaranteed, and what could change?”
Checkmarks stay on this page and are not saved or sent. They record topics reviewed, not whether your coverage is sufficient.
Bring your questions, not a score.
A checked box means you reviewed a topic. It does not mean a policy is good, bad, or adequate. If you are unsure, bring that question to your review.
Before replacing coverage, compare the existing policy’s benefits, options, charges, and limitations with any proposed policy. Confirm new coverage is effective before ending old coverage.
Sources & more help
General education. Policy terms, available options, and state rules vary. Check the details with your insurer and the appropriate professional.