If you already have life insurance — through work, an old policy, or coverage someone set up years ago — I'll walk through it with you in plain English. I'll tell you what you have, what it does, and whether it still fits your situation today. No fee. No obligation.
A policy review is a quick, no-obligation look at the life insurance you already have. We get on a call together, walk through your existing coverage in plain English, and figure out whether it still fits your situation today.
Most people who have life insurance bought it years ago, were given it through a job, or had a parent set it up. Lives change — kids arrive, mortgages get bigger or smaller, jobs come and go, health improves or doesn't. Coverage that was right at one moment may not be right anymore. Reviews catch that gap.
The honest part: if your existing coverage is fine, I'll tell you that. If your work life insurance plus the old whole life policy your dad set up actually covers what you need today, I'll say so and we move on. I'm not trying to talk you into replacing a working policy. That's not the point.
That said, reviews often surface real things worth knowing. Old beneficiary designations that haven't been updated since a divorce or remarriage. Term policies expiring soon that you'd forgotten about. Living benefits sitting in a policy you didn't know existed. Conversion deadlines coming up. Or the opposite — coverage you're paying for that you don't actually need anymore. Either way, you leave with clarity.
Group coverage is usually capped at one or two times salary, and ends with the job. A review tells you whether it's enough on its own.
Most policies haven't been looked at since they were signed. A lot can change in five years — for you, and in the insurance market.
Marriage, divorce, a new baby, a new house, a refinance, a job change — any of these can shift what you actually need.
Adult children often end up responsible for understanding a parent's coverage. We can walk through it together.
If you can't remember what's in the policy, you're not alone. A review starts from "let's just look at it" — no judgment.
If someone sold you a policy and you're second-guessing it, a review from someone who isn't trying to sell you anything can help.
On a call, you walk me through what you have — or what you think you have. If you don't have all the paperwork in front of you, that's fine. We work with what you remember.
What it does, what it doesn't, where it's strong, where it's not. I'll point out gaps if there are any, and I'll tell you when something is fine as-is.
If everything is fine, we end the call there. If there's something worth changing, we talk about options — but no decisions you have to make in the moment.
Tell me what you have (or what you think you have). We'll walk through it together on a quick call — no pressure, no obligation, and no follow-ups if you decide nothing needs to change.