Could Your Life Insurance Policy Pass the Peace of Mind Test?

Let’s find out if your current coverage is comforting—or quietly concerning.

Instructions: Pick the answer that feels most like you. Tally your points and see your results at the end!

1. Do you currently have life insurance?

A. Yes, I have a policy I reviewed within the last year. (5 points)

B. Yes, but I don’t really remember the details. (3 points)

C. I think I have something through work. (2 points)

D. No, not yet. (0 points)

2. If something happened to you today, would your policy:

A. Pay off debts, cover funeral expenses, and leave money for my family. (5 points)

B. Cover basic expenses for a while—but not long-term needs. (3 points)

C. Probably just cover funeral costs. (2 points)

D. Nothing—because I don’t have one or don’t know if it’s active. (0 points)

3. How confident are you in your beneficiary setup?

A. Totally locked in—I’ve updated everything recently. (5 points)

B. It’s probably still accurate—I think. (3 points)

C. No clue who I listed or if it’s still valid. (1 point)

D. I’ve never set a beneficiary. (0 points)

4. Do you know the type of policy you have (term, whole, IUL, etc.)?

A. Yes, and I understand how it works. (5 points)

B. Kind of—I think it’s term or something. (3 points)

C. Nope, I just remember signing papers. (1 point)

D. I don’t have any policy. (0 points)

5. When was the last time you reviewed or updated your policy?

A. In the last 12 months. (5 points)

B. 1–3 years ago. (3 points)

C. Over 3 years ago. (1 point)

D. Never—or I don’t have one. (0 points)

6. Do you know what would happen if you got critically ill and couldn’t work?

A. My policy includes living benefits—I’m covered. (5 points)

B. I think my family would be okay for a little while. (3 points)

C. That would probably be financially devastating. (1 point)

D. I haven’t thought about it—and I don’t have any coverage. (0 points)

7. Your family asks what your policy covers. How do you respond?

A. I can explain it clearly and even show them where it’s stored. (5 points)

B. I tell them it’s handled—but I can’t explain the details. (3 points)

C. I say “I think I have something” and change the subject. (1 point)

D. I don’t have anything to share with them. (0 points)

SCORE BREAKDOWN

30–35 Points: Peace of Mind Pro

You’ve got your house in order! You know what your policy covers, you’ve updated your info, and your family wouldn’t be left in the dark. Now that’s peace of mind. Keep doing what you're doing!

21–29 Points: Covered but Confused

You’ve taken the right steps, but it’s time to review and refresh. Knowing your policy inside and out will give you and your loved ones the clarity and confidence you deserve.

10–20 Points: Gaps in the Game

You’ve got something, but is it enough? Probably not. You might have an outdated or incomplete policy—or none at all. Don’t wait until it’s too late to get peace of mind in place.

0–9 Points: Policy Panic 😨

Yikes! You may be living life uninsured or unsure. Either way, your future self—and your family—will thank you for taking action today. Peace of mind starts with one step.