Life Insurance Should Begin With Clarity—Not a Product
Life insurance is not simply about choosing a policy or calculating a death benefit. It is about identifying the people, responsibilities, income, debts, and long-term plans that could be affected if life changes unexpectedly.
Before purchasing new coverage—or making changes to an existing policy—it is important to understand what needs protection, how long that protection may be needed, and whether your current coverage still reflects your financial responsibilities.
The Fortis Life Insurance Planning Guide was created to help you organize those questions before making an important insurance decision.
The question is not simply, “How much life insurance can I buy?”
The better question is, “What financial responsibilities would continue without me—and for how long?”
A Clearer Way to Think About Life Insurance
Income Protection
Consider how a loss of income could affect household expenses, mortgage payments, childcare, education, debt obligations, and long-term family plans.
Policy Review
Organize the essential details of existing policies and identify possible expiration dates, conversion deadlines, premium changes, policy loans, beneficiary updates, and coverage gaps.
Living Benefits
Understand the questions to ask about riders that may provide access to benefits following certain qualifying terminal, chronic, or critical illnesses.
Coverage Clarity
Explore the differences between term and permanent insurance and evaluate coverage according to its purpose, affordability, time horizon, guarantees, and long-term sustainability.
Practical Information and Worksheets You Can Use
The guide includes:
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A preliminary life insurance needs worksheet
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An overview of term and permanent life insurance
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Important questions about living benefits and optional riders
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A life insurance policy review checklist
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An existing-policy snapshot worksheet
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Beneficiary and policy-ownership considerations
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Questions to ask before buying or replacing coverage
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A checklist of documents to gather before a planning review
This guide will not tell you which policy to purchase. It will help you identify the information and questions that should be reviewed before you make a decision.
This Guide May Be Helpful If You:
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Have a spouse, children, parents, or other people who depend on you
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Own a home or carry significant financial obligations
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Receive life insurance through an employer but are unsure whether it is enough
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Already own life insurance but have not reviewed it recently
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Have term coverage approaching an expiration or conversion deadline
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Are considering replacing an existing policy
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Own a business or have business-related financial responsibilities
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Want to understand living-benefit features
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Are uncertain about the difference between term and permanent coverage
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Want to organize your policies, beneficiaries, and important records
A policy that was appropriate when it was purchased may no longer reflect your current income, responsibilities, family circumstances, or long-term goals.
Request Your Complimentary Life Insurance Planning Guide
Complete the short form below, and we will send the guide directly to your email.
Use it to review your current coverage, organize important policy information, and prepare the questions you may want answered before purchasing or changing life insurance.
Your information will be used to deliver the requested guide and related educational communications. Your information will not be sold. Requesting the guide does not require you to purchase insurance or schedule an appointment.
Your Guide Is Only a Few Steps Away
Submit the Request
Complete the short form with your name and email address.
Check Your Email
You will receive an email containing a link to access the Life Insurance Planning Guide.
Review the Guide
Work through the educational information, checklists, and policy-review worksheets at your own pace.
Decide Whether You Need Help
After reviewing the guide, you may choose to schedule a complimentary Life Insurance Planning Review to discuss your questions and existing coverage.
Didn’t receive the email? Check your spam or promotions folder and confirm that the email address entered on the form was correct.
Would You Like Help Applying the Guide to Your Situation?
Life insurance decisions should be based on your responsibilities, financial priorities, current coverage, budget, health, and time horizon—not on a one-size-fits-all recommendation.
During a complimentary Life Insurance Planning Review, we can help you think through:
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The financial responsibilities that may need protection
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A preliminary coverage gap and appropriate time horizon
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Whether term, permanent coverage, or a combination may fit the need
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Living-benefit features and rider questions
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Whether existing policies still align with current goals
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Beneficiary, ownership, and recordkeeping updates
The goal is not to pressure you into purchasing or replacing coverage. The goal is to help you understand what you own, what you may need, and which questions should be answered before making a decision.
Frequently Asked Questions
Is the guide really complimentary?
Yes. There is no charge to request or download the Life Insurance Planning Guide.
Do I have to purchase life insurance?
No. Requesting the guide does not obligate you to purchase insurance, replace a policy, or schedule an appointment.
Is the guide only for people who do not have coverage?
No. It may be equally useful for people who already own individual or employer-provided life insurance but have not reviewed their coverage recently.
Can the guide tell me exactly how much coverage I need?
The worksheet can help you create a preliminary estimate, but a complete needs analysis may also consider income, debts, existing assets, inflation, taxes, family priorities, and the length of time protection may be needed.
Does the guide explain living benefits?
Yes. It introduces common categories of living-benefit and optional riders and provides questions to ask about eligibility, costs, benefit calculations, limitations, and the effect of accessing benefits.
How will I receive the guide?
After submitting the form, you will receive an email containing the guide or a secure link to download it.
Final Educational Disclosure
The Fortis Life Insurance Planning Guide is provided for general informational and educational purposes only. It is not intended as tax, legal, investment, accounting, or individualized insurance advice.
Policy availability, premiums, underwriting requirements, riders, definitions, benefits, guarantees, and limitations vary by insurance company, policy, and state. Insurance guarantees are backed by the claims-paying ability of the issuing insurance company.
Clients should carefully review applicable policy contracts and illustrations and consult qualified tax, legal, and insurance professionals before making financial or insurance decisions.