Cover the consequences
The question is not just how much cover a person has. The question is what happens to the plan if income stops, debt remains, or a key person cannot work.
- Map dependants and debts first.
- Connect business ownership and key-person risk.
- Separate shared financial facts from private medical history.
Privacy has to be obvious
Medical and underwriting information should only appear for the adviser who needs it. Income and dependants can often be reused across channels.
- Shared facts reduce repeated data entry.
- Medical history stays behind Life and Health adviser permissions.
- Estate planning gaps feed the Action Plan Report.