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The only thing certain in life is change.  The problem is, life changes can require adjustments to your life insurance policies.  Failure to review life insurance regularly could result in placing your family in a difficult financial position after you pass away.


In the spirit of protecting the people important to you, here are five questions to ask about your life insurance.


1.       What do I have?  Make an inventory of all your life insurance policies, both ones you purchased yourself and any coverage you may have through an employer, club or association.  Make a list with the amount of the death benefit, when the policy expires and who the beneficiaries are.

2.        Do I have enough?  Your life changes, but unless you update your policies, they will not provide the coverage you need.  Have you done a needs analysis lately?  Have your circumstances changed since you purchased your policies?  Did you start a business, get a divorce, have additional kids, or start caring for a grandchild?  All of these things can change your need for life insurance and may cause you to need a higher death benefit.

3.       Have I updated my beneficiaries?  Life changes like marriage, divorce and death of a family member can require a change to your beneficiaries.  Have your children reached to age of majority and need to be listed?  Have you named both primary and contingent beneficiaries?   Do you need to make changes to reflect the individuals that you want to benefit from the policy’s proceeds?

4.       When will my current coverage expire?  If you have term policies, when will the term be over?  Will you still need insurance?  How will you get it, especially if you have experienced health problems or a recent illness?  Can you extend your current policies?  Have you purchased a guaranteed renewability option, can you qualify for another policy?  It is important to know your options, if any, when the current policies expire.

5.       Do I have group life insurance available?  Sometimes, a group voluntary plan can be a great option if a recent health issue makes you unable to purchase affordable coverage on your own.  If you are a business owner, we have a great plan that may allow you to purchase affordable coverage without medical underwriting.  Click here for more information.


We can help you sort things out.  Contact us for a life insurance review and we can help you make sense of it and make sure the people who are most important to you are protected.

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