FREE FAMILY RESOURCE · OHIO & PENNSYLVANIA

A little planning.
A clearer next step.

Shad Burgess Insurance · Ohio & Pennsylvania
Your family protection checklist. Seven practical steps to organize life insurance questions before choosing coverage.

shadburgessinsurance.com/family-protection-checklist · (419) 581-9869

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1. 1. Name the people who depend on youInclude family members who depend on your income or unpaid work, such as childcare. Write personal notes on your own paper, not on a public form.
2. 2. List the bills that would continueThink about housing, food, utilities, transport, childcare, debts and final expenses. Separate a mortgage payoff from monthly mortgage payments so you do not count the same expense twice.
3. 3. Find the coverage you already haveLocate individual policies and your workplace benefits statement. Note the insurer, benefit, premium and policy location privately. Ask HR when work coverage ends and whether continuation options apply.
4. 4. Check beneficiary namesReview primary and backup beneficiaries with the insurer after family changes. Telling a relative your wishes does not update the policy. Ask for advice before naming a minor.
5. 5. Choose a payment you can maintainStart with your normal monthly budget. Compare the same benefit amount, required premium schedule, guarantees, exclusions and any initial benefit limits. A low price alone is not a full comparison.
6. 6. Give a trusted person a way to find the policyStore documents securely and tell a trusted person where they are and which insurer to contact. Do not put account numbers, medical details or passwords in a public message.
7. 7. Write down your next questionFor example: Does my work coverage continue after a job change? When would the full benefit begin? What is guaranteed? Bring the written policy to a conversation before making changes.