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Tool three · the coverage conversation

Questions to bring to an insurance conversation

A tickable, printable list of plain questions to ask a licensed insurance professional, built for households whose income arrives unevenly. It never tells you what to buy. It makes sure you asked.

Index of entries

  1. Before the call
  2. If you could not work
  3. Health and injury
  4. Property and liability
  5. People who depend on you
  6. Cost and cash flow
  7. Closing the call

0 of 0 questions asked

Whose household is this for?

Choosing a type adds the questions written for it and keeps the shared ones. Your ticks are saved in this browser only.

Before you make the call

Ten minutes of preparation makes the conversation shorter and the answers easier to compare. None of these is a question for the other person; they are for you.

If you could not work

For a household that lives on seasonal or irregular income, the key question is what happens to income cover when the busy months are the months you are laid up.

Health and injury

Health arrangements differ widely from place to place, so these questions are about how things work in practice, not about what is best.

Property, vehicles and liability

These are the questions about things: the building, the machine, the truck, the stock, and what happens if your work harms someone else or their belongings.

The people who depend on you

If a household relies on one person’s uneven income, the question is what the others would live on if that income stopped for good.

Cost and cash flow

Cover you cannot afford to keep is worse than none. These questions are about making the payment pattern fit the way your money arrives.

Closing the conversation

The end of the conversation is where most households forget to ask. Leave with a plan for the next step, not just a good feeling.

Your notes from the call

Saved as you type, in this browser only. It prints with the list.

Using the list

Before you rely on it

Why a list helps

Insurance conversations go badly in a particular way. The household nods along, hears words it half understands, and signs something that fits the product better than it fits the year. People with steady wages can survive that. People whose money comes in lumps often cannot, because the gap between a premium falling due and money arriving is exactly where a cover lapses.

So the questions here are weighted toward the things seasonal households trip on: how lost income is measured when income was never even, when payments fall due against when money arrives, and what is expected of you at claim time. Take the list with you and tick as you go. A tick means I asked, not I was satisfied.

Limits you should know about

  • Educational only. The list is not insurance advice and does not say what you need. Needs depend on where you live, the law there, and your circumstances.
  • No product, no partner. Fieldnote does not sell, broker or endorse any policy, and is not affiliated with any insurer or agency.
  • Terms differ. Words like waiting period, deductible and excess mean slightly different things in different places and contracts. The written terms are what count.
  • Your ticks stay here. They are stored in this browser only, so a different device or a cleared browser starts a fresh list.
  • Printing. The Print button produces a clean, ink-light list with open tick boxes and your notes.