Which is NOT a step in planning an insurance program?

In the context of planning an insurance program, ignoring market changes is not a step you would typically undertake. Effective insurance planning involves being aware of external factors that could impact your coverage needs and options. For example, changes in regulations, advancements in technology, and shifts in economic conditions can all influence the insurance landscape and your personal insurance needs.

The other choices are integral components of a sound insurance planning process. Setting insurance goals allows you to determine what you want to achieve through insurance, such as protecting your assets or ensuring your family's financial security. Developing a plan to reach these goals involves evaluating your current coverage, identifying gaps, and deciding on the types of insurance products required to fill these gaps. Checking your results is crucial for assessing whether your insurance plan continues to meet your needs over time, particularly as circumstances change. Thus, ignoring market changes would undermine the effectiveness of your insurance planning efforts.