Coverage Check

Analyze a user's existing insurance coverage to identify gaps, overlaps, and under-insurance risks. Use when users want to review whether they have adequate protection across health, life, property, and liability insurance.

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

1. Inventory user's existing policies (type, coverage amount, insurer)
2. Collect relevant personal info: age, dependents, income, assets, liabilities
3. Map against recommended coverage benchmarks for their profile
4. Identify gaps (uninsured risks) and flag overlaps (redundant coverage)
5. Prioritize recommendations by risk impact
6. 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..."