Risk Analyzer

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IS PERSONAL RISK MANAGEMENT ASSESSMENT A PART OF YOUR FINANCIAL PLAN? What are your risk factors? What protection do you need? This simple guide helps you to answer these questions by pointing out the areas where you may face exposure.

Check each box for a yes answer.

Identity Theft

Do you or a family member use the internet for personal business?

Does any third party have access to your personal information (accountant, attorney, banker, domestic employees, etc.)?

Do you utilize up-to-date anti-virus and anti-spyware programs on all computers in your home?

Do you utilize wireless technology (laptop, phone, camera, etc.)?

Does your personal liability policy include coverage for identity theft?

Do you know the appropriate steps to take if you are a victim of identity theft?

Travel

Do you or any family member travel outside of the United States?

Do you travel domestically or internationally more than three times per year?

Do you have medical evacuation coverage if you become injured or ill overseas?

Does someone reside at or check daily on your residence while you are traveling?

Is your home protected by a central station burglar alarm?

Personal Liability

Do you employ domestic staff such as a housekeeper or nanny?

Do you serve as a director, officer or member of the board for a public, private and/or non-profit organization?

Do you conduct business from your home?

Do you make statements to the press?

Do you know how much liability coverage you have?

Have you updated your liability limits regularly to reflect your personal net worth?

Personal Security

Do you have children?

If yes, are they at home or away at school?

Do you worry about personal security risks such as home invasion, child abduction or carjacking?

Do you have insurance coverage for personal security threats to you or your family?

Personal Residence

Has your residence been appraised for its insurance replacement value?

Do you know the amount your insurer will pay for a total loss to your home?

Do you have flood insurance for your residence?

Do you own a secondary residence?

Has your agent presented you with various deductible options and the estimated savings for these options?

Valuable Possessions

Do you know how your insurance would respond if your personal property is damaged or destroyed?

Do you collect jewelry, fine art, silver or other fine possessions?

Do you have dedicated insurance coverage (a valuable articles policy) for the items you collect?

Do you maintain a thorough inventory of your valuable possessions?

Personal Risk Management

Do you review your insurance coverage with your agent on an annual basis?

Do you currently work with a captive agent or broker such as State Farm or Allstate (vs. an independent agent or broker)?

Comments

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Depending on your answers to these questions, you may be personally exposed to risk and possible loss. An appropriate risk evaluation now will help protect your assets in the future.

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