The Essential Life Insurance Checklist: Secure Your Future with Clarity
Life insurance is often one of those “I’ll get to it later” tasks… until life happens. Whether you're a professional building long-term wealth, a parent safeguarding your family’s future, or a business owner wanting to protect operations—having the right life cover matters.
But with so many options, riders, and fine print, where do you start?
That’s where our Essential Life Insurance Checklist comes in. It’s a simple, actionable tool designed to help Australians take control of their insurance planning—without the overwhelm.
🔍 Why Life Insurance Planning Can’t Wait
Too often, people rely solely on default superannuation insurance or delay taking out a policy until it’s too late. But the financial consequences of underinsurance can be devastating.
Ask yourself:
Do I have dependents relying on my income?
What debts or financial obligations would I leave behind?
Could my loved ones maintain their lifestyle without me?
If these questions give you pause, this checklist was made for you.
✅ What You’ll Find Inside the Checklist
Our Essential Life Insurance Checklist walks you through 6 key areas:
Assess Your Needs
Understand how much cover you really need and who you're protecting.Know Your Policy Options
Term vs whole life, trauma cover, TPD, and more.Review Existing Coverage
Check what’s already in place via super or work—and whether it’s enough.Understand Premiums
Fixed vs stepped premiums, age and health factors, and what drives cost.Set Up for Beneficiaries
Ensure your loved ones can actually access your benefits when it matters most.Review & Adjust Regularly
Your life changes—your policy should too.
We’ve also included the Top 3 Mistakes to Avoid and a bonus planning prompt to ensure you're ahead of the curve.
📥 Ready to Take Control?
Download your free copy today and start your insurance journey with clarity and confidence.
👉 Click here to download the Essential Life Insurance Checklist (PDF)
💬 Want Personalised Guidance?
Need help understanding your existing coverage or choosing the right policy?
Book a FREE Life Insurance Clarity Session with our advisers:
📧 info@earnestis.au | Book Online
📌 Takeaway
This checklist is more than a download—it's your starting point for smarter insurance planning. Because protecting your income and family is not just responsible—it’s essential.
No Advice Warning / General Advice
The purpose of this website is to provide general information only and the contents of this website do not purport to provide personal financial advice. Earnest InvestSmart strongly recommends that investors consult a financial adviser prior to making any investment decision. The contents of the Earnest InvestSmart website do not take into account the investment objectives, financial situation, or particular needs of any person and should not be used as the basis for making any financial or other decisions. The information is selective and may not be complete or accurate for your particular purposes and should not be construed as a recommendation to invest in any particular product, investment, or security. The information provided on this website is given in good faith and is believed to be accurate at the time of compilation.
