A review starts with a few facts. Keep a short inventory of each personal policy and any coverage through work, so you can see what needs a closer look.
Gather your latest documents
Find the current statement and policy schedule. For employer coverage, locate the latest benefits booklet. Ask the provider about any missing information.
Write down amounts and dates
Record the benefit amount, premium, term end date, and any conversion deadline. Mark anything you still need to confirm.
List your responsibilities
Note changes in dependents, income, debts, housing, or business responsibilities since your last review.
Check the people and policy details
Confirm beneficiaries and ownership. If you have permanent coverage, ask about a current in-force illustration, guarantees, and outstanding loans.
Bring the questions to a professional
Keep your existing coverage in place while you discuss the facts. A review is a chance to understand your options, not an automatic reason to replace a policy.
General education only. Your policy and circumstances determine what applies to you.
Make it personal, one question at a time.
Build a review checklist around your current coverage and what has changed.
The 30-minute appointment is free, and the checkup is optional. Confirm professional credentials and availability before receiving personal insurance advice.