The “Aftermath of a Natural Disaster Checklist”: More Than a Checklist — A Smart Way to Help Your Clients Talk Protection, Planning, and Peace of Mind

Disasters don’t ask for permission. Tornadoes, hurricanes, wildfires, and floods can happen anytime — and when they do, your clients won't just need a roof — they'll need guidance.

That’s why sharing a tool like the Aftermath of a Natural Disaster Checklist can position you as more than an insurance agent: it shows you’re someone who thinks ahead and cares beyond the policy.

But here’s the key: this checklist is not just for when disaster strikes — it’s a perfect conversation starter before anything happens.

👉 Download the checklist here: Aftermath of a Natural Disaster Checklist – PDF
(Replace this with your actual URL)

🌱 How to Use This Checklist to Open Sales Conversations
Whether you're talking to a new lead or checking in with a long-time client, you can use this checklist to introduce financial products that protect, support, and build peace of mind.

Here’s how:

✅ 1. Emergency Evacuations = ACA Opportunity
“If you had to leave your home tonight… would your health insurance follow you?”

This simple question opens the door to offer Affordable Care Act (ACA) plans. Many people qualify for $0 premiums but haven’t reviewed their options in years.

📌 Pro Tip: Use the checklist to highlight how important it is to have accessible, portable health coverage in case of emergency.

✅ 2. House Damage = Final Expense and Term Life Placement
“Imagine if this home were gone tomorrow. Would your family be financially protected?”

A checklist like this reminds families how fragile life and property are. It’s the perfect entry point to offer final expense insurance or a term life policy — affordable, practical, and fast to issue.

📌 Pro Tip: Mention how final expense policies can cover funeral costs, while term life can help replace lost income or pay off a mortgage.

✅ 3. Recovery Stress = Time to Talk About Annuities
“You work your whole life. One disaster shouldn’t erase your financial future.”

Use the checklist’s stress-recovery tips to introduce annuities as a solution for long-term income, especially for clients nearing retirement or worried about their savings.

📌 Pro Tip: Frame annuities as a financial “storm shelter” — secure, protected, and steady no matter the outside chaos.

✅ 4. For Seniors: Review Medicare Plans
“After a disaster, getting the right medication and care can be even harder. Is your current Medicare plan prepared?”

The checklist touches on medical access and stress in seniors. This is your cue to offer a Medicare Advantage review or switch during special enrollment periods.

📌 Pro Tip: Bring up how some plans include OTC benefits, transportation, or home-delivered medications — perfect in a crisis.

✅ 5. Long-Term Stability = Indexed Universal Life (IUL)
“How do you plan for the next 10, 20, 30 years? With a policy that grows with you.”

IULs can grow cash value and offer flexible protection. After a conversation about disaster recovery, it's natural to transition into long-term financial security and legacy planning.

📌 Pro Tip: Show a projection based on the client’s age and goals, and relate it to the checklist’s focus on being prepared for the unexpected.

🎯 Final Thought for Agents
Selling isn’t about products — it’s about timing and empathy.
Checklists like this aren’t just tools for the client. They're your bridge to real, meaningful conversations that lead to action.

📬 Want a Weekly Strategy Like This One?
Every week, we break down how to use one checklist like this to spark better conversations, build trust, and close more deals — across ACA, Medicare, Final Expense, Annuities, and more.

👉 Subscribe to our free newsletter and get the edge you need as a modern insurance advisor.
📩 Download, share it with your clients and colleagues, and write us at [email protected] with your questions or feedback.

Because every checklist is a chance to protect more lives — and grow your business with purpose.