What the Little Green Gecko Forgot to Tell You
If you think 15 minutes can save you money on your car insurance, wait ‘til you see what it can do with your life insurance—especially if you haven’t done a policy review in 5 years or more.

Lots of folks review their bank statements, retirement portfolio, and thanks to a cute gecko, even their car insurance.

 

But when was the last time you looked at your life insurance policy? Most policies have not been reviewed since purchase. Meanwhile, time has passed and your circumstances have changed.

 

Does “set it and forget it” work with life insurance?

If the only thing you’ve ever done with your life insurance policy is to stick it in a drawer, you may be throwing away money and/or putting your family at risk. The fact is, life insurance costs have come down in recent years – and innovative new products have hit the market. As a result:

 

  • You may be able to lower your premium cost for the same amount of coverage.
  • You may be able to increase coverage for the same premium amount.
  • It may be possible to improve the death benefit guarantee (subject to premium payment requirements).
  • There may be ways to improve policy performance and increase cash values.
  • If you are over age 65, you may be able to get cash for your life insurance policy.

At the same time, if you have permanent life insurance, you need to know: Policy performance can change dramatically over time. Without regular review by an insurance expert, policies – especially older ones – can pose significant risk of not achieving their original intended goals.

 

Why review your insurance?

A new job. A new home. A new child or grandchild. A change in health. Retirement. These are all life events that may affect your life insurance coverage. A policy review gives you a chance to catch up and evaluate your life insurance needs.

 

Here are a few life events that may warrant an increase—or decrease—in your insurance coverage:

 

  • Change in marital status
  • New home
  • Children/Adoption
  • Job promotion or change
  • Taking on debt
  • Planning for college/Children graduating college
  • Planning for retirement
  • A significant change in assets
  • Changes in your business if you are a business owner
  • Your health (for example, have you lost weight or quit smoking?)
  • The economy (interest rate changes may play a role in the performance of your policy)

 

How does it work?

If you’d like to get a free second opinion on your retirement, simply fill out the request information on this page. We will do an analysis to see if you could save money on premiums and to confirm that your original objectives are being met.

 

If adjustments need to be made, we’ll present you with options. If the policy is on track then no changes will be needed. The important step is to take action to make sure your goals and protection needs are being met.

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