Risk Management Plan

10 questions behind a strong risk management plan.

• 1.If something happened to me, would my family be financially okay?
• 2.How much life insurance do I actually need, and what kind?
• 3.Do I have the right disability coverage if I couldn't work for a while?
• 4.Is my emergency fund the right size to handle a real setback?
• 5.Am I properly covered on my home, auto, and property?
• 6.Do I need an umbrella policy to protect what I've built?
• 7.Am I paying for insurance I don't actually need?
• 8.If I own a business, what happens to it and my family if something happens to me?
• 9.How do I protect myself against identity theft and fraud?
• 10.How does my coverage need to change as my life and assets grow?

• 1.Do I still need life insurance, or is it time to rethink it?
• 2.What's my plan if I or my spouse needs long-term care?
• 3.How do I protect against outliving my money?
• 4.How do I keep inflation from quietly eroding my income?
• 5.If one of us passes, is the survivor financially protected?
• 6.Are my home, auto, and umbrella policies still right for this stage?
• 7.How do I guard against the fraud and scams that target retirees?
• 8.Does guaranteed income have a role in reducing my risk?
• 9.Am I over-insured anywhere, paying for protection I no longer need?
• 10.How does my whole risk picture shift once the paychecks stop?