Skip to main content
LifeWyn

Insurance

Insurance claim readiness check

Whether a beneficiary could actually make a claim on your policies — knowing they exist is only the first step.

A policy pays out when somebody claims on it. This checks the chain between the policy and that claim: whether anyone knows it exists, whether they are the person named on it, and whether they could assemble what an insurer asks for.

Answers stay in this browser — nothing is sent to LifeWynQuestions reviewed 2026-08-27

Progress

0 of 8 answered

Section 1 of 3 · 35% of the score

Are the policies known

Is there a record of every policy, including any provided through work?

Employer cover is the one most often missed entirely.

Does it name the insurer for each one?

The insurer, not the broker who sold it, is who a claim goes to.

Does anyone other than you know that record exists?

Nobody claims on a policy they have never heard of.

Section 2 of 3 · 40% of the score

Beneficiaries

Is the beneficiary designation on each policy current?

The designation on the policy usually decides who is paid.

Does each named beneficiary know they are named?

Being named and knowing it are different states.

Do the designations agree with your will?

Where they conflict, the designation usually wins — which surprises people.

Section 3 of 3 · 25% of the score

Could a claim be assembled

Are premiums up to date on everything you intend to keep?

A lapsed policy fails silently.

Would a beneficiary know which documents an insurer typically asks for?

Requirements differ by insurer and country — the point is knowing to ask early.

Nothing answered yet. Your score appears once every question has an answer — a part-finished score would measure the questions you skipped.

How this score is worked out

Three sections: whether the policies are known, whether the named beneficiaries are right and reachable, and whether a claim could be assembled.

Every question is yes/no and carries a weight of 1 to 3. A section scores the weight you answered “yes” to as a percentage of its total weight. The overall score combines the section percentages by the section weights shown on each heading, which always total 100, then rounds. Anything you have not answered counts as “no”, so a half-finished assessment always scores lower than the same situation fully answered — the score is never flattered by stopping early.

The score reflects only the answers you gave. It cannot see your documents, your accounts or the rules where you live, so treat it as a prompt for what to check next, not a verdict.

This is a self-assessment, not advice. It scores the answers you gave against a checklist we wrote — it does not see your documents, your accounts or your jurisdiction, and it is not legal, tax or financial advice. What is required varies by country. Treat the score as a prompt for what to look at next, and speak to a qualified professional about your own situation.

All LifeWyn tools