Pick a time. Bring what you have.
Thirty minutes across business, benefits, and personal coverage. No obligation, no pitch.
What the thirty minutes is for.
We walk the three pillars in one pass: what the business carries, what the team is offered, what sits on the household. The point is to find the seams between them, the places where separate policies assume someone else is covering the risk.
You leave with a straight read on how your coverage is arranged. Nothing has to move for the conversation to be worth having.
Worth having open
Declarations pages
Whatever you can find. A photo of the front page of each policy is enough to start.
Renewal dates
Approximate is fine. They set the order things can realistically be looked at.
Who holds what
The names on each pillar. Where the list has more than one name is usually where the seams are.