Insurance and Protection Needs Questions Worksheet (Education Only)

Prepare questions about cover, without recommending products.

Added October 15, 2026. Written with AI assistance and checked for clarity and placeholders; not reviewed by a lawyer, accountant, clinician or other professional. How these prompts are made

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[VERIFY] is an editorial flag, not a blank to fill. Wherever the prompt shows [VERIFY], check that item against a reliable source before you use it (what [VERIFY] means).

Help me review what financial protection I have. Policies I hold with what they cover and costs: [POLICIES]. My dependants, debts and income: [HOUSEHOLD_SITUATION]. What worries me: [WORRIES].

Make a table of risks (illness, accident, death, loss of income, liability, property loss) with whether I have cover, from where (employer, personal, none), the amount as I understand it, and a question to ask. Calculate rough exposure comparisons in my own numbers, for example the months of expenses that the cover provides, with the arithmetic. Provide a list of questions for an adviser or the insurer and a plan to review annually.

This is an education worksheet and not advice. Do not recommend products. Mark everything [VERIFY] with the policy documents or a qualified adviser.

Add a worked exposure comparison: monthly essential costs 2,400, employer disability cover pays 60 percent of salary (1,800 of a 3,000 salary) after a waiting period I should check [VERIFY], giving a monthly gap of 600; savings of 7,200 cover 12 months of the gap. Include questions to ask the benefits team.

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