Insurance–Managing Life's Major Risks

Insurance Checklist

Please read each question carefully. If you're not sure of the answer, read the appropriate section to get your questions answered. These questions will help clarify your insurance objectives:

  • Do you know how much disability coverage your employer or your private policy provides?
  • How long will your disability coverage last?
  • Is your current disability plan adequate to meet your income needs if you can no longer work?
  • Have you purchased the maximum additional disability insurance available to make up the shortfall?
  • Will your survivors have adequate income in the event of your death?
  • Will your life insurance be enough to pay off the mortgage or fund your children's college education?
  • Are you paying too much for life insurance?
  • Is it more affordable if you purchase life insurance independently rather than through an employer?
  • Should you keep your term insurance or convert it to a permanent policy?
  • Does your present health insurance plan provide adequate medical coverage?
  • Is your health insurance plan the best plan available for you and your family?
  • If you're leaving your employer, have you made arrangements for continued medical insurance?
  • Do you have the right automobile insurance coverage for your situation?
  • Do you know how to choose the optimal auto insurance deductible and liability limits?
  • If you're age 55 or above, have you determined whether you need long-term care insurance?
  • Do you have the right homeowner's insurance coverage for your situation?
  • Have you considered an umbrella policy to cover at least your net worth?
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Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Heartland Bank and Heartland Planning Associates are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Heartland Planning Associates, and may also be employees of Heartland Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Heartland Bank and Heartland Planning Associates. Securities and insurance offered through LPL or its affiliates are:

Not Insured by FDIC of Any Other Government Agency Not Bank Guaranteed Not Bank Deposits or Obligations May Lose Value

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