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 Investment Advisory Services are offered through LPL Financial, a Registered Investment Advisor, member FINRA/SIPC. Insurance products are offered through LPL Financial or its licensed affiliates. Heartland Planning Associates is a trade name of Heartland Bank. Heartland Bank and Heartland Planning Associates are not a registered broker/dealers and are not affiliated with LPL Financial.  The investment products sold through LPL Financial are not insured Heartland Bank deposits and are not FDIC insured.  These products are not obligations of Heartland Bank and are not endorsed, recommended or guaranteed by Heartland Bank or any other government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.  The LPL Financial representatives associated with this website may discuss and/or transact securities business only with residents of the following state: Ohio. Check the background of investment professionals associated with this site on FINRA's BrokerCheck.

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