Whether you're buying for the first time or reviewing what you already have, this checklist is designed to make sure no important detail is missed. Work through it once a year — ideally in January when tax planning is fresh — and you'll know exactly where your family stands.

If you don't have any life insurance yet:

☐ Calculate your cover requirement: 10–15x annual income + outstanding loans + 3 years of family expenses
☐ Check if any employer group cover exists — and how much
☐ Take the GetCovered quiz for a personalised plan recommendation
☐ Talk to an advisor to confirm the right plan type (term, savings, ULIP, or pension)
☐ Apply with complete, honest disclosure of all health conditions
☐ Review the policy document within the free look period
☐ Set up auto-debit for premiums and save the due date as a calendar reminder
☐ Store the policy document, nominee ID, and your ID together in one accessible place

"The checklist isn't meant to be overwhelming. For most people, completing it takes one afternoon and one phone call. The result is 30+ years of financial security for your family."

If you already have life insurance:

☐ Is your cover still adequate? Recalculate if your income, loans, or family situation has changed significantly
☐ Is your nominee updated — correct name, correct relationship, correct ID details?
☐ If you have a minor nominee, is an appointee named?
☐ Are your premiums on auto-debit and the bank account sufficiently funded?
☐ Is your employer group cover supplementing — not replacing — your individual cover?
☐ Have you considered adding a Critical Illness rider if you don't have one?
☐ Are you on track with your retirement savings in addition to protection insurance?

If you can tick every item on this list, your family's financial foundation is solid. If there are gaps — start with the first unchecked item and fix it today.