Coverage Guide

Good questions lead to clearer choices. Consider these before choosing life or health coverage.

Life coverage

Questions to consider before choosing Term Life, Final Expense, IUL or an annuity.

  1. 1Who depends on me, and what would they need if I were gone?
  2. 2How long do I want the coverage to last: a set number of years or my whole life?
  3. 3What can I comfortably afford to pay each month, and for how long?
  4. 4What is the coverage meant to do: replace income, help with final costs, or support long-term plans?
  5. 5How do the different types of life coverage compare for my situation?
  6. 6How often should I review my coverage as my life changes?

Health coverage

Questions to consider before choosing Affordable Care Act or Medicare coverage.

  1. 1Are the doctors and hospitals I use included in the plan?
  2. 2Are the medications I take covered by the plan?
  3. 3What will I pay overall, including premiums and any out-of-pocket costs?
  4. 4Am I eligible, and when can I enroll?
  5. 5What care do I expect to need in the coming year?
  6. 6Who can I ask when something about my plan is unclear?

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