A · KEEP & STACK — “Perfect — keep it. Most families aren’t replacing anything, they’re adding a second layer so the first one doesn’t get eaten by the funeral alone.”
B · AGE OF THE POLICY — “When did you set that up? Rates and health classes move — two minutes to see if today’s version of you qualifies for more for the same money.”
C · WORK OR YOURS? — “Is that through the job or your own? Work coverage stays with the job, not with you. Something needs to be YOURS.”
D · THE GAP — “What’s it worth — $10k? Average funeral runs $12–15k before one bill gets touched. The gap is what lands on the kids.”
E · BENEFICIARY CHECK — “When’s the last time you looked at who’s listed? The check goes where the paper says, not where you want it. Let’s review it.”
Full sheet: the official decision tree PDF →