Premium Report 11.0
Life Event Report — Getting Married
Within 30 days of marriage to capture discounts retroactively.
Coverage changes and risk alerts triggered by getting married.
Generated 8/2/2026 · Review Year 2026 · Tier: family
Priority Actions
4/100
Items to schedule
Coverage Changes
4/100
Policies to adjust
Risk Alerts
2/100
Exposures to mitigate
Coverage Changes
Policies and limits that should change:
- 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
Priority Actions
Immediate household actions:
- 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
Risk Alerts
New or elevated exposures to monitor:
- Underinsured rings/jewelry — schedule via personal articles floater
- Old beneficiary on workplace life policy
Roadmap
Within 30 days:
• Update beneficiaries on every life policy
• File marriage certificate with carriers
• Recalculate replacement cost on home
Within 90 days:
• Verify health insurance coordination
Annual review:
• Re-baseline Protection Index
• Re-run Annual Protection Review
• Confirm beneficiaries and limits
Recommendations
1. Auto
Switch to one carrier for multi-car + good-driver discount
2. Home/Renters
Add spouse as named insured + raise contents to combined value
3. Life
Designate spouse as primary beneficiary; consider $500k–$1M term each
4. Umbrella
Consider $1M umbrella once joint net worth exceeds auto limits