The clear answer
A small check-in can reveal a meaningful change.
Review your life first
Consider changes in household responsibilities, income, debts, residence, employment or the business. A new situation does not automatically require a new policy, but it can change the questions worth asking.
Review the existing coverage
Check beneficiaries, premiums, renewal notices, networks and funding of permanent life policies. Request current insurer documents and an in-force illustration when appropriate. Confirm portability or conversion deadlines for work-based benefits.
Make changes carefully
Compare underwriting, exclusions, surrender costs and effective dates before replacing coverage. Keep proof that new coverage is active before ending an existing policy. Use the annual review checklist to organize the conversation.
Make this about your life.
Tell us your priorities and how to reach you. A dedicated agent can explain the available options, service scope and compensation that apply to your situation.
Start a conversation