• Summarize the items below in your report to the client(s).
• Summarize current coverage, review their personal information and state assumptions, make specific recommendations on current/future action.
  1. Listing of current health, disability, and LTC insurance with specific coverage identified, riders etc.
  2. Suggested amounts of coverage in relation to the financial goals identified (with calculations and/or worksheets when needed)
  3. Cost estimate for each type of insurance (provide references for cost) support these recommendations with quotes and/or theory/literature.
  4. Beneficiary designations
  5. A.M. Best or other rankings
  6. Any other information that you consider pertinent

1. 1. What methods for analysis did you use, and what were your results for each?
   2. What are the important considerations when choosing health insurance?
   3. What variables impact the cost of disability insurance (ie. own occupation vs any occupation, waiting period, benefit period, taxability, etc.)
   4. What factors should one consider when choosing LTC insurance, and are there alternatives to this coverage?
   5. What are your final recommendations regarding health, disability, and LTC, and how should the client implement these recommendations?
   6. Provide education and guidance on how to compare various policies from various companies

For disability, be sure to consider monthly surplus or shortfall for potential short-term disability of the client and co-client, and long-term for both as well.