# Insurance Agents & Financial Advisors — Coverage Checklist

*Physician, heal thyself.* Work through this before you shop or renew.

## Get your number right
- [ ] Start from: commissions, trails & fees (full year)
- [ ] Weight renewals as the floor and treat projected new business conservatively — you know why.
- [ ] Add all other household income (spouse W-2, side work) — the marketplace wants one combined figure

## The traps in your line of work
- [ ] Have an answer for: Projecting first-year commissions with a straight face
- [ ] Have an answer for: S-corp premium mechanics known professionally, skipped personally
- [ ] Have an answer for: The coverage cliff when leaving a captive shop for independence
- [ ] Have an answer for: E&O and licensing handled meticulously while personal health coverage waits

## Fast facts to remember
- **Renewals** — the stable floor of the estimate
- **Via payroll** — the rule we quote clients
- **60 days** — after leaving the captive shop

## Before you enroll
- [ ] List your doctors and check them against the plan network
- [ ] List prescriptions and check the formulary
- [ ] Compare at least two plans on deductible AND network, not premium alone

Full guide: https://bishopplans.com/health-insurance-for/ · Tools: https://bishopplans.com/health-insurance-for/tools/
Free to share. Not legal or tax advice.