Protection
Who and what does your policy help protect?
Compare the coverage listed in your policy with the responsibilities you want it to support: family income, debt, education, and final expenses.
Duration
Will your coverage last as long as you need it?
Locate the term end date, any conversion deadline, and what happens to coverage and premiums afterward.
Affordability
Do the payments still work for you?
Identify your current premium, how long you must pay it, and which costs are guaranteed or could change.
Work benefits
What happens if you change jobs?
Check your benefits booklet for coverage limits, eligibility, and any portability or conversion options and deadlines.
Beneficiaries
Are the right people listed?
Confirm your primary and backup beneficiaries with the insurer, especially after a marriage, divorce, birth, or death.
Policy details
Do you understand the small print?
For permanent coverage, review guarantees, cash value, loans, and a current in-force illustration with a qualified professional.