How the Coverage Checkup Action Plan Works

Don’t you just love insurance? No, we don’t mean paying for it. We’re pretty sure nobody enjoys that part. We mean the feeling you get from having insurance—and knowing it covers you and everyone you love with a shield of protection when (not if) life hits you with tornadoes, hospital bills and five-car pileups (hopefully not all on the same day).

Making sure your loved ones are protected from dents and destruction is such a natural instinct, it almost makes finding the right insurance fun. Because having the right plan at the right time can have a huge positive impact on your family’s destiny.

So, how can you be sure you have all the right coverages for you and your family? By taking our Coverage Checkup!

Based on your answers to a few questions, we’ll identify your individual needs and build an action plan for coverages you should add, tweak or drop.

Let’s see how it all works.

Who Is the Coverage Checkup For?

The Coverage Checkup can help almost anyone, but it’s especially well-suited for people like you . . .

• People who want to protect themselves and their families the Ramsey way
• People starting their financial journey who don’t want to go bankrupt from one bad day on the road or on the job
• People who are wary of scams and who don’t want to overspend on insurance

If that sounds like you, you’re in good company—there are millions of Americans who know insurance matters but might not know which coverages to buy (or avoid) or how to pay for it all.

That’s why we built the Coverage Checkup!

Are You Protected With the Right Insurance?

Take the Coverage Checkup to get a personalized action plan that breaks down what to keep, add or nix so you can take control of your insurance with confidence.

Don’t miss the window right above. Yeah, the one that says Insurance Coverage Checkup with the little Get Started button at the bottom. That one. Hit that button and you’re on your way to knowing which coverages you need and which you don’t.

The Coverage Checkup gives you everything you need to know about where you stand with your insurance coverage—all in one place. Plus, it tells you what you need to take care of first. Insurance has never been simpler than that!

How Does the Coverage Checkup Help You?

The Coverage Checkup helps you make smart choices about one of the most confusing topics in life—how to protect your family from risks that could wipe out your financial future.

When you take the Coverage Checkup, here’s how your results help you with your insurance decisions.

1. You’ll see where you have gaps in coverage. We review all your existing insurance policies to identify where you might be lacking coverage. For example, 1 in 4 of today’s 20-year-olds will become disabled before the age of 67, but most people don’t have long-term disability coverage other than Social Security benefits—yikes.¹ Another common gap is in home insurance—not having enough coverage to rebuild or repair after a loss.
2. You’ll have an easier time shopping for coverage. To get you the right mix of policies to fit your needs—and your budget—the Coverage Checkup also gives you helpful connections to Ramsey-vetted pros. We know these people personally, and they’ve proven through their businesses that they care about helping everyday people live the Ramsey way. That’s why we work with them!
3. You might even save some money. We’ll look for unnecessary coverage and suggest ways to shrink what you might be paying on bloated plans, while still protecting your assets.

Now let’s talk about the most important part—your action plan!

What Is the Action Plan?

Think of your action plan as your GSD (Get Stuff Done) road map. Whether your plan includes one step or 10, it will show you how to get everything done. You’ll sleep better knowing your stuff is protected (and that you did the right thing for your money and your family). 

We take all the info you provide in your Coverage Checkup answers and use it to create your action plan, which will include:

• A list of coverages where you might have critical needs, important items to address, or areas that are already covered
• Clear next steps you can quickly take to get the right protections in place—and ways to find savings where possible
• Ways to reach out to the right partners and pros who’ll help you work the plan and get yourself completely covered

How Does the Action Plan Work?

This is where the real insurance fun begins. As you get your coverages in place, we’ll not only walk with you every step of the way—we’ll celebrate you too! The party happens on your Ramsey Dashboard.

Once you’re in, the Sign In button gets replaced by a bright blue button with your initials. Tap it to manage your account. Now you’re looking at your Ramsey Dashboard. To take the Coverage Checkup—or to view your results again at any time—click Assessments and choose Coverage Checkup.

That’s where we store your action plan. It lets you keep track of your progress toward getting all the right coverages and check off items as you complete them.

As you knock out your critical needs and important items—or when you drop unnecessary or oversized coverages—you can check those steps off your action plan. We’ll move them down into the Good to Go zone. And you won’t just be turning red lights green (although we’ve got to admit, that part is fun)—you’ll also be taking steps toward the peace of mind you can only have when you know your family’s going to be okay.

Take Action Today

Whether it’s your first time taking the Coverage Checkup or you’re circling back to remind yourself which items you still need, the action plan is here to help.

Keep coming back to check items off, record your progress toward full coverage, and remind yourself of what’s next on your action plan.