Life Event
Getting Married
Marriage triggers a top-to-bottom insurance review — most couples save 10–20% by combining policies and updating beneficiaries.
Timing: Within 30 days of marriage to capture discounts retroactively.
Coverage adjustments
Auto
Switch to one carrier for multi-car + good-driver discount
Home/Renters
Add spouse as named insured + raise contents to combined value
Life
Designate spouse as primary beneficiary; consider $500k–$1M term each
Umbrella
Consider $1M umbrella once joint net worth exceeds auto limits
Priorities
- Combine auto policies for multi-car discount
- Add spouse to home/renters
- Update life insurance beneficiaries
- Re-evaluate liability limits as joint net worth grows
Checklist
- Update beneficiaries on every life policy
- File marriage certificate with carriers
- Recalculate replacement cost on home
- Verify health insurance coordination
Risk alerts
- Underinsured rings/jewelry — schedule via personal articles floater
- Old beneficiary on workplace life policy