Insurance agents periodically review their client’s policies as a way to ensure that their needs are continually being met.
As things in your life change, so does your insurance needs. Families grow, beneficiaries change, divorces happen and many other events that could call for a change in your policy. During these events the last thing on your mind is life insurance. This is why your agent will review your policies to make sure you have the right coverage.
As your life changes, you may find that your policy now has a gap in coverage, perhaps a new mortgage needs to be addressed in the amount needed, or maybe a new baby has been born.
If you are not comfortable with an insurance agent reviewing your policies, then you may consider using a financial planner to help you decide if you have the appropriate coverage.
Whichever path you decide to take for your review, make sure you inform the person doing the review that the results of the review, in no way, make you liable to make any additional purchases.