Insurance Planning

  • Review life-insurance holdings
  • Discuss adequacy and appropriateness of coverage
  • Discuss loan and withdrawal planning
  • Discuss appropriateness of surrendering old policies (or more efficient maintenance)
  • Complete update of policy information (e.g., cash value, dividend account, load status)
  • Review and coordinate ownership and beneficiary designations with estate plan
  • Review long-term disability coverage
  • Review long-term-care policies
  • Review property and casualty insurance:
  • Review adequacy and appropriateness of homeowner's coverage
  • Review adequacy and appropriateness of auto coverage
  • Assess need for personal excess-liability coverage
  • Review specialty coverage: boats, yachts, airplanes, business pursuits