What if I already have life insurance coverage?

Even if you have life insurance, keep in mind that life changes and, as it changes, so do your needs for protection. Your life insurance needs should be reviewed every few years. Any of the changes listed below should prompt you to sit down with your insurance agent to make sure your plan is still appropriate.

• You have recently married or divorced
• A child or grandchild has been born or adopted
• Your health or your spouse's health has deteriorated
• You have begun to provide care or financial help to a parent
• A loved one will require assistance or long term care
• You have recently purchased a new home
• Your children or grandchildren are about to enter school or college
• You or your spouse retired or will retire early
• You or your spouse has been promoted recently
• You have refinanced your home mortgage in the past six months
• You or your spouse has received an inheritance

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