Free insurance assessment template — score coverage adequacy across life, health, income protection, critical illness and property, and generate a gap report with AI. Agents show clients their coverage gaps as one clear, printable score.
Quick answer
Agents show clients their coverage gaps as one clear, printable score.
Disclaimer: this page and its AI report are for self-reflection and process reference only. They do not constitute medical, psychological, financial, legal or safety advice. Consult a qualified professional when needed.
Methodology: items are a structural adaptation of widely used frameworks, not an official version; scoring is indicative, not diagnostic.
The Insurance Needs Assessment replaces gut-feel product pitching with a structured gap analysis. Clients rate their existing provision across five protected areas — life cover, medical and health, income protection, critical illness and property/liability — plus dependants and budget context. Weighted 1–5 scoring computes an adequacy profile per area, and the auto-generated AI PDF report shows the largest gaps and suggested conversation points, with a QR code into an AI consultant for follow-up questions.
| Template | Insurance Needs Assessment |
|---|---|
| Category | Finance & Insurance |
| Format | Scored 1–5 coverage assessment with an AI report |
| Time to complete | About 10 minutes per response |
| What you get | A quantified protection-gap profile and an AI report ranking shortfalls |
| Best for | Agents · Clients · Agencies |
| Cost | Free to copy and customize on FormLM |
Preview the insurance assessment and the AI coverage-gap report it returns.
Everything you need to run this template.
From copy to deliverable in four steps.
Copy the form and its scoring, report and branding settings into your FormLM workspace — free.
Adjust fields, options and dimensions to match advisers and insurance professionals.
Send the link or QR; every response is captured automatically.
Open the personalized AI PDF report and share it with stakeholders.
Pick your role — see how it fits your workflow.
Agents open every prospect meeting with a quantified gap chart.
Clients see their protection score before hearing any product pitch.
Agencies standardise the needs-analysis step across their whole team.
What makes this template work as a professional deliverable.
A preview of real questions — the full version adds scoring and a personalized report per respondent.
