When was the last time you reviewed your life insurance?
A complimentary review can uncover gaps, savings, and peace of mind.
Why Review Your Life Insurance Policy?
Life changes. Your insurance should change with it. If you purchased your life insurance policy years ago, there's a good chance your coverage no longer matches your current needs, or you might be paying more than necessary.
I offer complimentary life insurance policy reviews to help you ensure your coverage is still right for you and your family. There's no cost and no obligation.
Life Changes That Affect Your Coverage
Many life events can impact whether your current coverage is adequate:
- Marriage or divorce - Are your beneficiaries up to date?
- New children or grandchildren - Do you have enough coverage?
- Home purchase or mortgage payoff - Has your debt changed?
- Career change or income increase - Should coverage increase too?
- Retirement approaching - Do you still need the same coverage?
- Health improvements - You may qualify for better rates
What I'll Review
During your complimentary policy review, I'll examine:
- Coverage amount - Is it still appropriate for your needs?
- Beneficiary designations - Are they current and correct?
- Premium costs - Could you get similar coverage for less?
- Policy features - Are you using all available benefits?
- Cash value - If applicable, how is it performing?
- Conversion options - What flexibility do you have?
Common Issues I Find
In my years of reviewing policies, I often discover:
- Outdated beneficiaries - Ex-spouses still listed, or children not added
- Insufficient coverage - Policies purchased before major life changes
- Overpaying for coverage - Better rates available due to improved health or market changes
- Lapsed policies - Coverage that accidentally expired
- Unused riders - Benefits you're paying for but not using
- Better options available - Newer products with improved features
The Review Process
1. Gather Your Documents
Locate your current life insurance policy or policies. If you can't find them, I can help you track down the information.
2. Schedule a Review
Contact me to schedule a convenient time. Reviews can be done in person at my office, by phone, or via video call.
3. Get Recommendations
I'll provide a clear summary of my findings and recommendations. No pressure, no obligation.
Request Your Free Policy Review
Fill out the form below to request your complimentary life insurance policy review. I'll contact you to schedule a convenient time.
Frequently Asked Questions
Is this really free?
Yes, completely free with no obligation. I believe everyone should understand their coverage, whether or not you make any changes.
Will you try to sell me a new policy?
Only if it makes sense for you. Many times, I find that keeping your current policy is the best option. If a change would benefit you, I'll explain why and let you decide.
What if I can't find my policy documents?
No problem. I can help you track down your policy information using your carrier name or other details you remember.
How long does a review take?
Most reviews take 15-30 minutes, depending on the complexity of your coverage.
Can you review policies from any insurance company?
Yes, I can review policies from any carrier. My recommendations are based on what's best for you, not on any particular company.
Questions? Let's Talk
If you'd prefer to call or have questions before scheduling a review, I'm happy to chat. There's no pressure and no obligation.