A 3-minute self-audit to stress-test your plan for real-life “what ifs”—like taking time off work to care for a spouse, child, or parent, paying for travel to appointments, and keeping the bills covered when income pauses.

Quick instructions:

• Part 1 (Near-Term, first 90 days): Imagine you (or someone you support) can’t work due to an accident or illness. For Income and Expenses, select Covered / Unsure / No Plan.
• Part 2 (Long-Term): Zoom out to retirement and legacy. Again, choose Covered / Unsure / No Plan for longer-horizon questions—e.g., what happens if you need to help a child or grandchild during a major health event?
• Flag: If you have 2+ “Unsure/No Plan” in Income or Expenses, you likely have a short-term cash-burn risk (the period when costs rise and income is delayed).

When you’re done, book a complimentary Protection Review. We’ll walk through your results, clarify the “Unsure” items, and, after a proper Needs Analysis, discuss options. No pressure, no obligation.

Book your Protection Review: Click Here

Prefer paper? Download & print the PDF.

Your next best step (no cost, no obligation):

• Map your near-term “cash-burn” risks (first 30–90 days).
• Stress-test long-term readiness (retirement, legacy, portability).
• Clarify the impact on family—time off, travel, and caregiver costs for a spouse, child, or parent.
• Discuss options only after a confidential Needs Analysis.

Book your Protection Review: Book now Or call (226) 791-0374 / email kevin@kevinballantyne.com
Prefer in person or Zoom? We’ll meet in the way that suits you best.

Important notes:

• This checklist is educational and not financial advice.
• Suitability and eligibility are determined only after a confidential Needs Analysis.
• Solutions are for Ontario residents and depend on individual qualifications.

Trust & privacy:

• Licensed Life & Accident & Sickness Insurance Agent (Ontario).
• I represent multiple insurers; view my insurer disclosure and privacy policy.
• Your information is confidential and used only to arrange your Review if you request it.

Gentle reminder: Eligibility can change as underwriting rules and personal health change. A short Review preserves your options while you decide—no obligation.