Life moves forward — and your insurance coverage should move with it.

Too often, people purchase a life insurance policy and never look at it again. But major life transitions can dramatically change how much protection you need. An outdated policy can leave gaps in coverage, create financial strain for loved ones, or miss opportunities to strengthen your long-term financial strategy.

If you’ve experienced any of the five life changes below, it’s time to schedule a free policy review with us.

1. You Got Married or Divorced

Marriage changes everything — especially your financial responsibilities.

If you’re married, your spouse may now rely on your income for daily living expenses, long-term savings, and retirement planning. Proper income replacement life insurance ensures your partner maintains financial stability if something happens to you.

If you’ve divorced, it’s critical to:

• Update beneficiaries

• Review court-ordered coverage requirements

• Reassess your protection needs

A quick beneficiary review and life insurance checkup prevents future complications and ensures your wishes are honored.

2. You Had a Child (or Plan To)

Growing your family is one of the most important times to evaluate your life insurance coverage.

Raising children involves:

• Ongoing living expenses

• Education funding

• Childcare costs

• Future financial milestones

If your current policy was purchased before kids, it may not provide enough protection today.

A family life insurance review ensures your children are financially protected — from childhood through adulthood — no matter what happens.

3. Your Income Increased (or Decreased)

Income changes are one of the biggest indicators that your life insurance coverage should be reviewed.

If your income has increased:

• Your lifestyle expenses likely have too

• Your family depends on a higher standard of living

• Your long-term financial goals have expanded

If your income has decreased:

• You may need to adjust premiums

• You may need more efficient coverage options

• You may want to restructure protection to fit your budget

A life insurance policy audit helps align your coverage with your current income and financial priorities.

4. You’re Thinking About Long-Term Care or Retirement Planning

As you approach your 40s, 50s, or beyond, protection needs shift.

You may be asking:

• How will I pay for long-term care?

• Do I have enough permanent life insurance?

• Should I explore cash value life insurance options?

• Are annuities part of my retirement income plan?

Many people don’t realize that permanent life insurance policies, long-term care insurance, and certain annuity products can play an important role in building financial stability later in life.

A comprehensive policy review ensures your coverage supports both:

• Family protection

• Retirement income strategy

• Asset preservation

  
  

5. It’s Been More Than 2–3 Years Since Your Last Review

Even if nothing dramatic has changed, your coverage should still be reviewed regularly.

Why?

• Insurance products evolve

• Rates change

• Riders and benefits improve

• Your goals shift over time

Many policies were purchased years ago and may no longer reflect today’s financial realities.

A periodic life insurance review helps ensure:

• Coverage amounts are still adequate

• Beneficiaries are up to date

• Disability insurance protection fits your income

• Long-term care options are properly structured

• Annuities align with retirement income goals

Why a Policy Review Makes Sense

We focus exclusively on:

• Life Insurance

• Disability Insurance

• Long-Term Care Insurance

• Annuities

That means your review is focused, specialized, and built around protection planning — not unrelated products.

During your complimentary insurance review, we:

• Analyze your existing life insurance policy

• Identify coverage gaps

• Evaluate disability income protection

• Discuss long-term care planning options

• Review annuity strategies for retirement income

• Provide clear, no-pressure recommendations

No obligation. Just clarity and education.

Don’t Let an Outdated Policy Decide Your Family’s Future

Life changes fast. Your coverage should keep pace.

If you’ve experienced any of these life transitions — or simply haven’t reviewed your policy in a few years — now is the right time to take action.

Schedule your free life insurance policy review today and make sure your protection plan truly reflects your life today — and your goals for tomorrow.