Coverage Check
Review a user's current insurance portfolio to identify gaps in protection, redundant coverage, and areas of under-insurance. Provide prioritized recommendations for improving overall coverage.
When to Use
- User wants to review their overall insurance coverage
- User asks "do I have enough insurance?"
- User recently had a life change (marriage, baby, new home) and wants a coverage review
- User wants to know if they're missing any important insurance types
- User asks about coverage adequacy for their specific situation
How to Use
- Inventory user's existing policies (type, coverage amount, insurer)
- Collect relevant personal info: age, dependents, income, assets, liabilities
- Map against recommended coverage benchmarks for their profile
- Identify gaps (uninsured risks) and flag overlaps (redundant coverage)
- Prioritize recommendations by risk impact
- Suggest coverage amounts and types to fill gaps
Examples
- "I'm 35 with a wife and two kids, do I have enough life insurance?"
- "I just bought a house, what insurance do I need to review?"
- "Am I over-insured or under-insured? Here's what I currently have..."