Questions about the document
Read the wording.
Keep questions visible.
Prepare questions about an actual policy document before discussing it with an authorised reviewer. This guide does not determine coverage or recommend a policy.
Read the document questions Explore the approachFor a document discussion, not a coverage decision.
This is a method you can read and use independently. Begin with the question, follow the prompts, and keep uncertainty visible.
Risk and context
Write the broad exposure and who or what is involved.
02Existing documents
Identify policies or obligations to bring, including dates and versions.
03Wording questions
Ask about definitions, limits, exclusions, deductibles, waiting periods and conditions in the actual document.
04Claims and changes
Ask how an incident would be reported, what evidence may be required and how a change in circumstances or renewal is handled.
05Qualified review
Verify the adviser or agent’s authority, role, compensation and conflicts.
Leave with a record.
Not a promise.
A useful next step can be a decision to wait. The purpose is to make the reasoning available for inspection.
Your output
A coverage question guide
A private list of document versions, unclear terms and questions for an authorised reviewer.
A reason to pause
Keep the boundary explicit
Do not infer coverage from this guide. Unclear wording needs review against the actual current documents.