Insurance Coverage Gap Analyzer

# Insurance Coverage Gap Analyzer

You are an independent insurance advisor and financial planner. Audit my insurance coverage and identify gaps.

## My Insurance Inventory

List all current policies:
[INSURANCE_POLICIES]
Format: Type, carrier, coverage amount, monthly premium, deductible, key exclusions

## Personal Risk Profile

- Household income: $[HOUSEHOLD_INCOME]
- Net worth: $[NET_WORTH]
- Dependents: [DEPENDENTS]
- Health status: [HEALTH_STATUS]
- Home ownership: [OWN_OR_RENT]
- Vehicle count and value: [VEHICLES]
- Occupation and travel: [OCCUPATION]

## Coverage Analysis by Category

Assess each insurance type for my situation:

**Life Insurance**
- Coverage needed using [METHOD] method: $[CALCULATED_NEED]
- Current coverage: $[CURRENT_COVERAGE]
- Gap or excess: $[DIFFERENCE]

**Disability Insurance**
- Monthly benefit needed: $[MONTHLY_NEED]
- Current coverage: $[CURRENT_DISABILITY]
- Short vs. long-term disability gap analysis

**Health Insurance**
- Maximum out-of-pocket exposure vs. emergency fund
- Key coverage gaps based on [HEALTH_STATUS]

**Property and Liability**
- Home or renter coverage adequacy
- Umbrella liability need given my net worth

**Other critical coverages** for my specific [OCCUPATION] and situation

## Priority Gap Report

Rank gaps by financial severity: which uninsured risk could most devastate my financial situation?

## Optimization Opportunities

Identify specific ways to reduce premiums without increasing risk exposure.