Insurance Review Tool

Insurance Review Checklist

Use this checklist to review the insurance you already have, identify areas that may need another look and make sure important coverage, beneficiaries, deductibles, household information and policy records are still current.

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This checklist is for organization and education. It does not determine how much insurance you need or whether a particular policy is appropriate.

Private by Design

Nothing is saved.

Your selections stay only on this page while it is open.

Do not enter policy numbers, account numbers, Social Security numbers, passwords or medical details here.

This tool is meant to help you review whether something is current—not store the sensitive contents of your insurance records.

Your Insurance Review

See what is current and what still needs attention.

Mark each item as Current, Review, Update Needed or Not Applicable. Your summary updates automatically.

0 Current

0 Review

0 Update Needed

0 Not Applicable

Review Progress 0 of 0 reviewed

Current

Review

Update Needed

Not Applicable

Full Insurance Review

Work through the coverage that applies to your life.

You do not need every kind of insurance listed here. The goal is to identify which areas apply to you and whether those areas are current.

Life Insurance

Review purpose, coverage amount, beneficiaries and ownership.

Policy is active and still needed Confirm that the policy is in force and still serves the purpose for which it was purchased.

Coverage amount has been reviewed Consider whether income, debt, dependents or other responsibilities have changed.

Beneficiaries are current Review primary and contingent beneficiary designations after major life changes.

Employer coverage has been reviewed Know how much coverage comes through work and what happens if employment changes.

Health Insurance

Review costs, networks, prescriptions and household coverage.

Current health coverage is understood Know the plan, premium, deductible and out-of-pocket maximum.

Doctors and facilities are still in network Review important providers and facilities before assuming they remain covered.

Prescription coverage has been reviewed Check current formulary, pharmacy rules and expected medication costs.

HSA or FSA arrangements are current Review contribution rules, balances and eligible use if these accounts apply.

Disability Insurance

Review income protection if illness or injury affects your ability to work.

Short-term and long-term coverage is understood Know which coverage you have and where it comes from.

Benefit amount has been reviewed Know how much income the policy may replace.

Waiting period is understood Know how long you may need to rely on savings before benefits begin.

Definition of disability has been reviewed Check how the policy determines whether you qualify for benefits.

Homeowners or Renters Insurance

Review property, liability, deductibles and household records.

Current policy matches the residence Confirm the property address, occupancy and household information are accurate.

Personal property coverage has been reviewed Consider whether belongings and major purchases have changed.

Liability limit has been reviewed Check the amount of personal liability coverage attached to the policy.

Home inventory is reasonably current Keep photos, video or records of major possessions somewhere secure.

Auto Insurance

Review limits, drivers, vehicles, deductibles and lender requirements.

Liability limits have been reviewed Know your bodily-injury and property-damage liability limits.

Collision and comprehensive coverage are understood Know whether they apply and what deductibles you would owe.

Household drivers are accurate Make sure newly licensed, moved-out or other regular drivers are properly addressed.

Loan or lease requirements are current Check coverage requirements if a lender or leasing company still has an interest in the vehicle.

Umbrella Insurance

Review additional liability protection and the policies underneath it.

Umbrella coverage has been reviewed Confirm whether this protection still fits your household and liability exposure.

Underlying limits meet policy requirements Review required home, renters and auto liability limits.

Vehicles and properties are accurately reflected Check new vehicles, second homes, rentals and other relevant property.

Long-Term Care Insurance

Review care benefits, waiting periods and how coverage fits retirement planning.

Long-term care policy status is understood Know whether coverage remains active and where the current policy is stored.

Benefit amount and duration have been reviewed Know the daily or monthly benefit and how long or how much coverage may be available.

Elimination period is understood Know what resources may be needed before benefits begin.

Family or trusted people know the plan Make sure someone appropriate knows where the policy and related legal records are kept.

Beneficiaries

Insurance can fail to match your intentions if beneficiary records are outdated.

Primary beneficiaries are current Review after marriage, divorce, birth, adoption or death.

Contingent beneficiaries are current Confirm backup beneficiary designations where the policy allows them.

Insurance beneficiaries match broader planning Review coordination with estate documents and other beneficiary-designated accounts.

Insurance Documents & Records

Make sure the policies can actually be found when they are needed.

Current declarations pages are accessible Keep the current summary pages for major policies where they can be reached.

Insurer and agent contact information is current Know where to find customer service, claims and agent contact information.

Renewal dates are being tracked Know when major policies renew so changes are not missed.

Important records have a secure backup Do not rely on one paper copy stored in the home or vehicle.

Life & Household Changes

Insurance often needs attention when life changes.

Marriage, divorce or partnership changes were reviewed These changes can affect beneficiaries, property, drivers, health coverage and liability.

New children or dependents were reviewed Consider health coverage, life insurance, beneficiaries and household responsibilities.

Employment changes were reviewed Check employer health, life and disability coverage whenever a job changes.

Moves, property changes and vehicle changes were reviewed Update addresses, garaging, property details and coverage when household assets change.

Your Priority List

Focus on what needs attention first.

Items marked Update Needed are listed first. Items marked Review are listed separately so you can work through them without losing track.

Update Needed

These are the items you marked as needing action.

No items marked Update Needed yet.

Review

These are the items you want to look at more closely.

No items marked Review yet.

Insurance Guide

This checklist does not save your selections after the page is closed or refreshed.

Need to Review Something?

Go directly to the insurance guide for that coverage.

Keep It Current

Insurance works best when it changes with your life.

Revisit this checklist after major life events and during your annual life review so beneficiaries, policies, household information and important records do not quietly become outdated.

Open Annual Life Review →

Insurance Review Checklist

Nothing is saved.

See what is current and what still needs attention.

Work through the coverage that applies to your life.

Life Insurance

Health Insurance

Disability Insurance

Homeowners or Renters Insurance

Auto Insurance

Umbrella Insurance

Long-Term Care Insurance

Beneficiaries

Insurance Documents & Records

Life & Household Changes

Focus on what needs attention first.

Update Needed

Review

Go directly to the insurance guide for that coverage.

Life Insurance

Health Insurance

Disability Insurance

Auto Insurance

Homeowners Insurance

Renters Insurance

Umbrella Insurance

Long-Term Care Insurance

Insurance works best when it changes with your life.

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