Map what your income supports
List essential expenses, caregiving responsibilities, debts and goals that would continue.
Free educational guide + worksheets
Protect the income behind your family's plans.
Map what depends on your paycheck, review workplace benefits and prepare better questions about life and disability coverage.
10 practical pagesPrintable worksheetsNo product pitch inside
A plan you can use
Know what you have before deciding what you need.
The guide turns a vague insurance question into a household worksheet. You will leave with your existing resources in one place and a short list of gaps to review.
Review workplace benefits
Record benefit amounts, waiting periods, portability and the details people often overlook.
Estimate the protection gap
Compare monthly needs and one-time obligations with the resources already available.
Organize beneficiaries and policies
Put ownership, beneficiary and document-location details where they can be reviewed.
Built for a useful conversation
Bring better questions to your coverage review.
This guide does not tell you which policy to buy. It helps you understand the financial problem first.
- Which benefits and premiums are guaranteed?
- What exclusions, waiting periods or limitations apply?
- What happens if employment, health or family responsibilities change?
- How does each recommendation address a specific household need?
Why the review matters
Guessing is expensive. A written inventory is useful.
100MApproximately 100 million American adults said they needed life insurance or needed more of it in LIMRA's 2025 research.
1 in 4The Social Security Administration reports that a 20-year-old worker has a 1-in-4 chance of developing a disability before full retirement age.
10 minThe guide's annual review can be completed in short steps, then brought to a licensed professional for a fuller discussion.
Sources: LIMRA 2025 Insurance Barometer findings; Social Security Administration, Disability Benefits.
Questions
Before you download
Is this an insurance quote or application?
No. The guide is general educational material. It does not provide a quote, apply for coverage or determine eligibility.
Will I be contacted?
The request link opens Kemp Insurance Agency's contact page. Any follow-up depends on the information and consent choices you submit there.
Can I use it if I already have coverage?
Yes. Several worksheets are designed to inventory existing workplace and individual coverage before a review.