Life Insurance
- Why should I buy life insurance?
- How much life insurance do I need?
- What are the principal types of life insurance?
- How is life insurance sold?
- What is a beneficiary?
- What are the types of term insurance policies?
- What are the different types of permanent policies?
- How should I choose what type of life insurance to buy?
- How do I pick a life insurance company?
- How can I save money on life insurance?
- Do "empty nesters" need life insurance?
- Should I buy life insurance on my child's life?
- How should I organize and store my life insurance records?
- How often should I review my policy?
- If I can't pay my premium, what should I do?
- How do I file a life insurance claim?
- How can I locate a lost life insurance policy?
How often should I review my policy?
You should review all of your insurance needs at least once a year. If you have a major life change, you should contact your insurance agent or company representative. The change in your life may have a significant impact on your insurance needs. Life changes may include:
- Marriage or divorce
- A child or grandchild who is born or adopted
- Significant changes in your health or that of your spouse/domestic partner
- Taking on the financial responsibility of an aging parent
- Purchasing a new home
- A loved one who requires long-term care
- Refinancing your home
- Coming into an inheritance
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