Free Educational Resource

Annual Insurance & Financial Protection Review Checklist

Use this checklist to review your coverage once a year or after any major life change. Bring it to your conversation with Sasson, or work through it on your own.

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1. Life Insurance Have an active policy in force Know the death benefit amount Beneficiaries are current and correct Coverage matches income, debts, and dependents Term expiration date noted

2. Disability Insurance Know the elimination period Know the monthly benefit and duration Understand "own-occupation" vs "any-occupation" definition Have coverage beyond employer plan

3. Long-Term Care Discussed long-term care options with a representative Understand how LTC costs can affect retirement savings Know whether spouse or partner also has coverage

4. Beneficiaries Primary and contingent beneficiaries named on all policies Beneficiaries reviewed after any life change (marriage, divorce, birth, death) No minor children named directly as beneficiaries (use a trust or custodian)

5. Employer Benefits Know exactly what employer life insurance pays Know whether employer disability is short-term, long-term, or both Understand what happens to coverage if you leave the job

6. Debt & Income Coverage accounts for mortgage balance Coverage accounts for other major debts Income replacement calculated for 5–10 years

7. New Dependents or Family Changes Coverage reviewed after each child born or adopted Coverage reviewed after marriage or divorce

8. Retirement Changes Know how retirement income affects coverage needs Cash value policies reviewed for withdrawal strategy

9. Business & Self-Employment Business overhead expense coverage considered if self-employed Key person insurance reviewed if business has partners

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This checklist is for educational purposes only and is not insurance or financial advice. Coverage needs vary by individual. Consult a licensed professional before making insurance decisions. Sasson Emambakhsh is an independent licensed insurance producer in Las Vegas, NV (NV #4185790 · TX #3460699 · FL #G322852 · AZ #22097825).