The Situation

The Coverage Gap Problem

Insurance is the financial protection layer that turns potential catastrophes into manageable events. But coverage that was adequate five years ago may be significantly inadequate today — because income has grown, assets have increased, dependents have arrived, or major purchases have been made without corresponding coverage updates.

Insurance is not a product you buy once. It is a coverage position you maintain — and it requires review every time your life changes significantly.

— Worthune Decision Framework

• You haven't reviewed your insurance coverage since a major life event in the past 2–3 years
• You're unsure whether your current life insurance covers your household's actual financial needs
• You've never evaluated whether your disability income coverage matches your current income level