01 / PLANNING NOTE
Identify the same coverage interests
Check that both proposals concern the same person, property, vehicle, or activity. Note differences in use or insured interests. A comparison is less useful when the underlying information changed.
02 / PLANNING NOTE
Read limits and cost-sharing together
Compare policy limits, deductibles, copayments, or other relevant payment terms. Identify optional benefits and sublimits. Ask for explanations of differences rather than assuming the cheaper premium describes equivalent protection.
03 / PLANNING NOTE
Mark the exclusions and conditions
Review covered events, exclusions, waiting periods, eligibility, and effective dates. Keep the official documents. Marketing descriptions are a starting point, not a replacement for the policy or plan terms.
04 / PLANNING NOTE
Confirm the parties and the next step
Ask who is licensed to advise or arrange the coverage and who issues it. Confirm how acceptance works and when coverage becomes effective. No inquiry or club subscription creates insurance.