Change is inevitable in life. One must understand that with each change your financial needs evolve. Today the changes in the life insurance industry market have made premiums less expensive and life insurance companies underwriting-friendly. It might make good financial sense to have your life insurance policy reviewed annually because like all other investments, life insurance policies should be reviewed on a regular basis. You must review your life insurance coverage to ensure that all of your objectives are still being met in this fast paced changing life.

• Ask yourself whether or not your policy is worth the premium outlay.
• Think if there is something out there that is more cost-effective.
• Research on if the underlying investments of your Universal Life, Variable Universal Life, or Whole Life policy are performing appropriately.
• Get to know the exact time of when you should stop paying premiums.
• It is time if you feel your life needs a change.
• If there has been any improvement in health, weight, etc of you or your spouse.
• If you have stopped smoking recently.

Of course personal circumstances may also guide policy review.