Somewhere in your book of business right now, a client's home is underinsured by six figures. Another has no umbrella policy despite a net worth that demands one. A third just auto-renewed a policy they've had for nine years without anyone ever checking if it still fits their life. None of them know. And until now, neither did you. That's not a failure — it's just a gap nobody closed. The P&C review exists to close it, without requiring you to become an insurance agent.
The Three Reasons Advisors Haven't Done This — Answered
"I don't know enough about P&C to talk about it"
You don't need to. Your job is to ask the question and surface the picture. A P&C agent handles the rest. Holistiplan gives you the framework — you bring the client relationship you already have.
"I don't have time to learn something new"
A P&C review isn't a new service line — it's one conversation added to a meeting you're already having. Canopy Connect handles the policy gathering. The platform does the analysis. Your role is to ask one question.
"My clients don't ask for it, so why bother?"
Clients don't ask because they don't know it's possible. The advisor who starts that conversation becomes indispensable. The one who doesn't leaves a door open for someone else to walk through.
How One Advisor Added P&C Reviews to Every Annual Meeting
The Situation
James had spent nearly two decades building a financial planning practice he was proud of. P&C was always the conversation he avoided. That changed when a long-time client called after a kitchen fire. The damage was real. The coverage wasn't enough. He'd never asked.
What He Did Differently
- Added one question to every annual meeting: "When did someone last review whether your P&C coverage fits where you are today?"
- Connected with Prizm Insurance through Holistiplan's integration as his dedicated referral partner
- Used Canopy Connect to let clients share policies digitally
- Built a simple 3-step handoff: review snapshot, flag gaps, introduce agent
- Tracked every household through the Holistiplan dashboard
"I spent 18 years thinking P&C wasn't my lane. Now I think of it as protecting everything I've already helped my clients build. The first review I ran found a $300,000 coverage gap on a home we'd factored into their retirement plan." — James M., CFP
What Happened in Year One
87%
Of households reviewed had at least one material coverage gap identified
2×
Deeper client engagement scores among households that went through a P&C review
0
Hours of P&C training required — the platform and partner agent handled the expertise
How to Start — Today, With What You Already Have
1
Select long-time clients
Start with households who've had a major life change — new home, business, inheritance, kids.
2
Ask the question
"When did someone last check whether your coverage actually fits your life?" That's it. That's the whole opener.
3
Send the link
Canopy Connect lets clients share policies in minutes. No paperwork, no phone calls, no friction.
4
Review and refer
Holistiplan shows the gaps. Your P&C partner handles the rest. You stay in the conversation.