Life Insurance Forms & Checklists
Good planning starts with the right questions.
Simple worksheets to help you organize what you want to protect before making life insurance decisions.
Start With Three Simple Questions
Life insurance planning can become complicated quickly. Instead of trying to answer everything at once, these three worksheets break the process into manageable steps.
You don't have to complete all three at once. Start with the first worksheet. If you're ready to continue, move to the next.
1 — PROTECT → 2 — CALCULATE → 3 — PLAN
Worksheet 1 of 3 — What Am I Protecting?
Before determining how much life insurance you may need, start by identifying who and what you're trying to protect.
The people who depend on you
Household financial responsibilities
Income your household relies upon
Non-income contributions such as childcare and caregiving
The financial responsibility that concerns you most
Time commitment: About 5 minutes
Worksheet 2 of 3 — How Much Protection Might I Need?
Once you've identified what you're protecting, the next step is putting some numbers around those responsibilities.
Income replacement
Mortgage and debts
Education and family expenses
Existing life insurance
Savings and other available resources
A potential financial protection gap
Time commitment: About 5–10 minutes
Worksheet 3 of 3 — Choosing Your Coverage Priorities
After identifying the need, think about what you actually want your life insurance coverage to accomplish.
How long you may need protection
Your three most important priorities
Coverage you already have
Questions about term and permanent insurance
Living benefits and riders
Budget and underwriting questions
Time commitment: About 5–10 minutes
What Happens After the Worksheets?
These worksheets intentionally stop before asking for detailed medical or financial information.
Those questions make more sense after you've established what you're trying to protect and what you want your coverage to accomplish.
If you decide you're ready to explore your options, the next step is a conversation. An insurance professional may then need additional information about your health, finances, existing coverage, and insurance objectives to help determine which carriers and coverage options may be appropriate.
The worksheets help define the need. Underwriting helps determine the available options.
Your Information Stays With You
These worksheets are designed for your own planning.
You do not need to submit your answers to download or use them.
Print them, save them, or complete them electronically. If you later decide to speak with an insurance professional, you can choose whether you want to share your completed worksheets.
Ready to Talk About What You Found?
You don't need to have everything figured out before having a conversation.
If you've completed one or more of the worksheets and have questions about your results, we can review what you're trying to protect, discuss your priorities, and help you understand possible next steps.
Educational Disclaimer
These worksheets and planning tools are provided for general educational purposes only. They are intended to help organize information and questions and do not constitute financial, tax, legal, or insurance advice. They do not determine eligibility for insurance or the appropriate amount or type of coverage. Insurance products, underwriting requirements, features, availability, and costs vary by insurance company and individual circumstances.