A new job can change more than your paycheck. If you have life insurance through work, collect the facts about that coverage before relying on it after you leave.
When does the current coverage end?
Ask HR or the benefits administrator for the exact date, including what happens during a notice period or leave. Keep the answer with your benefits documents.
Can any coverage continue?
Ask whether your plan offers portability or conversion, who is eligible, and what deadlines, forms, premiums, or other conditions apply. These options depend on the specific plan; do not assume they are available.
What does the new employer provide?
Confirm eligibility dates, benefit amounts, enrollment requirements, and any coverage for family members. A job offer alone does not confirm insurance is in force.
What personal coverage do you already own?
List individual policies separately from workplace benefits. Ask the insurers about policy details you cannot confirm from your statements.
What should you ask next?
Bring the dates and documents to a properly licensed professional. Avoid cancelling existing coverage before carefully reviewing the alternatives and their effective dates.
General education only. Your policy and circumstances determine what applies to you.
Make it personal, one question at a time.
Build a review checklist around your current coverage and what has changed.
The 30-minute appointment is free, and the checkup is optional. Confirm professional credentials and availability before receiving personal insurance advice.