FREE POLICY REVIEW & GAP ANALYSIS
Do You Know What
Your Policy Doesn’t Cover?
Uncover the gaps. Understand your coverage. Protect what matters.
Most people assume their insurance covers more than it does. A Policy Review & GAP Analysis from HG Insurance Advisors identifies what you have, what you're missing, and what it may cost you — at no charge and no obligation.
🔍Objective Analysis
We review what you have with no agenda — only your best interest in mind.
WHAT IS THIS
A Policy Review Is
Not a Sales Pitch.
It's a Checkup.
Just like you see a doctor for an annual checkup, your insurance coverage deserves a regular review. Life changes — and your coverage should keep up. A GAP Analysis is a structured review of every protection layer in your financial life to identify what's working, what's missing, and what may be costing you more than it should.
We review your existing policies objectively — we are not trying to replace everything. If your current coverage is strong, we'll tell you. If there are gaps, we'll show you exactly where they are and what your options are.
📊Clear Scorecard
You receive a plain-language summary of every coverage area reviewed.
🎯Specific Recommendations
If gaps exist, we present specific options — you decide what, if anything, to do.
The Six Areas Where
Gaps Are Most Common
These are the coverage areas where most families — even those with existing policies — frequently have unaddressed exposures that could cost them thousands.
Wrong Policy Type
Many people have coverage — but not enough, or the wrong type for their stage of life. Term policies expire. Group coverage ends with employment.
Warning SignsOut-of-Pocket Exposure
Health insurance covers hospitalizations — but deductibles, copays, and out-of-pocket maximums can still devastate a family's finances in a serious event.
Warning SignsIncome Replacement Plan
Your ability to earn income is your most valuable asset. Yet most people have no plan to replace it if illness or injury keeps them from working for months or years.
Warning SignsStroke — The Financial Impact
Health insurance pays the provider. But who pays your mortgage, utilities, and daily expenses when you can't work during treatment? Critical illness coverage does.
Warning SignsBeyond Social Security
Social Security was never designed to be a complete retirement income solution. Without a guaranteed income strategy, outliving your money becomes a real threat.
Warning SignsLeft to the Family
The average funeral costs $10,000–$15,000. Without a plan in place, that financial burden falls directly on the people you love most at the hardest moment.
Warning Signs
Every Coverage Area.
Nothing Overlooked.
We review all major protection areas in a single structured conversation — then deliver a plain-language summary of our findings with no obligation to act.
A full review of every life insurance policy you currently hold — including employer-provided group coverage — to confirm your family is truly protected.
We examine your current health plan for cost-effectiveness, network adequacy, and out-of-pocket exposure — and compare it to available alternatives.
The coverages that fill what health insurance leaves behind — hospital indemnity, critical illness, accident, and dental/vision plans reviewed for adequacy.
Your income is your most valuable asset. We assess whether you have adequate protection if illness or injury prevents you from working for an extended period.
We review your current retirement income plan to identify whether you have guaranteed income in place — and what your exposure is if markets decline near or during retirement.
For veterans and active military: a dedicated review of military-specific coverage, VA benefit utilization, and civilian alternatives that may provide better value.
End-of-life costs average $10,000–$15,000. We confirm whether you have a dedicated plan in place so that burden doesn't fall on your family at the hardest moment.
Business owners have unique insurance needs that personal coverage doesn't address. We review the gaps that could put your business — and your family — at risk.
Every review is 100% free and comes with no obligation to change or purchase anything. If your current coverage is strong, we'll tell you. If there are gaps, we'll show you exactly where they are and what your options look like.