# The Insurance Module

The FIRM Guide (thefirmguide.com) — companion to The Recoverable Family.
Fill this in privately (any text editor or by hand), then store it in your Vault.


## 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.

- Policy Type: 

- Carrier Name: 

- Policy Number: 

- Coverage Amount or Limits: 

- Annual Premium: 

- Premium Due Date: 

- Autopay?: 

- Agent Name and Contact: 

- Policy Document Location: 

- Online Portal Login Location: 

- Beneficiary (if applicable): 

- Beneficiary Last Reviewed: 

- Notes: 

> 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 Category | Carrier | Policy or Endorsement Number | Coverage Amount | Appraisal on File? | Notes |
| --- | --- | --- | --- | --- | --- |
|   |   |   |   |   |   |
|   |   |   |   |   |   |
|   |   |   |   |   |   |

- Policy or Contract Type: 

- Carrier Name: 

- Policy or Contract Number: 

- Approximate Cash Value: 

- Beneficiary: 

- Beneficiary Last Reviewed: 

- Surrender Charges or Restrictions: 

- Policy Document Location: 

- Notes: 

> 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 Type | Carrier | Agent Name | Agent Phone |
| --- | --- | --- | --- |
|   |   |   |   |
|   |   |   |   |
|   |   |   |   |
|   |   |   |   |
|   |   |   |   |
|   |   |   |   |
|   |   |   |   |
|   |   |   |   |

- Name: 

- Firm: 

- Phone: 

- Email: 

- Policies Managed: 

> 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.