The FIRM Guide

The Insurance Module

The family's insurance policies, scheduled specialty coverage, and cash-value contracts — policy details, beneficiary designations, and where to find documents and file claims.

Download template Nothing is entered on this page — you fill the template in privately.

Text file — the flexible one. Use it as-is, open it in any editor, or paste it into an AI tool to reshape the blank form to fit your family: rename a field, add a row, drop one you don't need.

Print / PDF — the ready-to-use one. Print it and fill it in by hand, or choose Save as PDF and complete it in your own offline PDF app. Either way it stays with you — the finished Secure Guide template goes inside your Vault.

One rule: only ever give an AI tool the blank template. Never paste your real information — passwords, account numbers, anything you'd keep secret — into an AI tool, an online service, or anywhere outside your own Vault. Customizing an empty form is fine; filling it in happens privately, offline. That's the same rule this site follows: nothing sensitive ever leaves your hands.

Secure Guide Starter Template

This template belongs in The Secure Guide, stored within The Vault. It documents policy details, beneficiary designations, and access to policy documents. Login credentials for insurance portals belong in the password manager.

Life / Health / Homeowners / Auto / Disability / Long-Term Care / Umbrella / Other.
The insurance carrier.
The policy number.
What the policy covers.
Yearly cost.
When the premium is due.
Yes / No.
Who the agent is and how to reach them.
Where the policy document is held.
By reference (password manager entry).
Named beneficiary.
When the designation was last checked.
Anything a future maintainer should know.

Complete one entry per policy. Repeat as needed.

Scheduled Personal Property and Specialty Coverage — endorsements or standalone policies covering items of specific value (jewelry, art, collectibles, instruments). Appraisal records are documented in the Other Assets Module.
Item or CategoryCarrierPolicy or Endorsement NumberCoverage AmountAppraisal on File?Notes
Whole Life / Universal Life / Annuity / Other.
The carrier.
The policy or contract number.
Rough cash surrender value.
Named beneficiary.
When the designation was last checked.
Any charges or restrictions on access.
Where the policy document is held.
Anything a future maintainer should know.

Whole life, universal life, and annuity contracts carry cash surrender value and named beneficiaries, making them assets as well as coverage instruments. Ensure they are reflected in your estate planning.

Family Guide Starter Template

This template belongs in The Family Guide. It provides enough information for a family member or executor to locate policies, contact carriers, and file claims — without exposing policy numbers or financial details.

Full policy documents and account details are in The Secure Guide. Contact our insurance agent before canceling, modifying, or filing a claim on any policy.

Insurance Policies — Summary
Policy TypeCarrierAgent NameAgent Phone
The agent's name.
The agency or firm.
Direct phone number.
Email address.
Which policies this agent handles.

If you need to file a claim: (1) Locate the relevant policy in The Secure Guide for the policy number and carrier contact information. (2) Contact the carrier's claims line directly — your agent can assist if you are unsure of the process. (3) For life insurance claims, you will need a certified copy of the death certificate; the estate attorney can advise. (4) Do not cancel any policy until you have confirmed with the estate attorney that it is appropriate to do so.