Start with the benefits booklet, not a new policy
A useful review begins by identifying what your employer already provides. That may include life insurance, accidental death coverage, short-term disability, long-term disability, health and dental benefits, and optional employee-paid coverage.
Questions worth asking
- How much life insurance is provided, and is it tied to salary?
- How is disability income calculated and taxed?
- Are there waiting periods, benefit maximums or occupational definitions?
- Which benefits end when employment ends?
- Can any coverage be converted or continued?
- Does your current coverage reflect your mortgage, dependants and other responsibilities?
When changing jobs
A job change can affect more than salary. Employer life and disability benefits may end, reset or change. Reviewing the transition before the old coverage disappears can make the change easier to understand.
When your workplace coverage may already be enough
Additional personal insurance is not automatically necessary. If existing benefits and personal resources appropriately address your needs, confirming that can be a useful outcome too.
Not sure what your benefits actually cover?
Bring your benefits summary and we can start by making sense of what is already there.
Review My Current Setup