09/23/2026
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๐๐'๐ ๐
๐ ๐๐๐๐ ๐๐๐ ๐๐๐๐๐๐ ๐๐๐๐๐๐ ๐๐๐ ๐๐๐๐ ๐๐๐๐๐ ๐๐๐๐ ๐
๐. ๐ฐ๐ ๐๐๐๐๐ ๐๐๐
๐ ๐๐๐ ๐๐๐๐ ๐๐๐๐๐
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๐๐๐๐๐๐๐๐ ๐๐๐๐ ๐๐๐๐๐๐, ๐๐๐๐๐
๐'๐ ๐๐๐ ๐๐๐๐ ๐๐ ๐๐๐๐ ๐๐๐?โฃ
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When did you last read your insurance policy? I mean actually reading what it covers and how much it pays out, beyond noticing the premium coming off your account each month.โฃ
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For most families I talk to, the answer is the year they bought it. Since then they've had a baby, refinanced, changed jobs, added a car loan, or seen their income go up. The policy stayed exactly the same.โฃ
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Big life changes are an obvious reason to take another look, like a new mortgage, a new child, a separation, or a job without group benefits. I don't think you need a reason at all, though. Since coming back to the industry, every policy I've reviewed has turned up something I could do much better for the client, whether that was better coverage, a lower premium, or both.โฃ
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The other thing I see constantly is people treating their group coverage at work as their whole plan. It's a good benefit, but it's often one or two times salary, and it ends when the job does. Buying new coverage at 50 after a layoff costs a lot more than it would have at 40.โฃ
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A review also doesn't automatically mean buying more. Mortgage insurance through the bank is a good example. The balance it covers shrinks every year while the premium usually doesn't, so plenty of people are paying the same price for less protection without realizing it.โฃ
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Most people never read their policy past the first page, and very few understand what's inside it, like what's excluded, whether it's term or permanent, or when the premium is set to jump at renewal. That's why I run an education-based service. Before we talk about changing anything, I walk you through what you already own in plain language, so any decision you make comes from understanding your coverage rather than taking someone's word for it.โฃ
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I'm also independent now, which changes what a review can do for you. Earlier in my career I could only offer one company's products, so every review ended with that company's policy whether it was the best fit or not. Today I can take your situation to several insurance companies and compare what each one offers, and that's a big part of how people end up with better coverage for less each month.โฃ
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When people do shop for insurance, most of them compare the monthly price and stop there. Price matters, but it's a bit like choosing a house based only on the listing price without asking about the neighbourhood, the schools, or whether there are enough bedrooms for your family. With insurance, the questions are whether the coverage lasts as long as you'll need it, what conversion options you have, what riders are included, what happens to the premium at renewal, and if the policy builds savings, what the conditions are around accessing that money. Two policies with the same monthly cost can look very different once you ask those questions.โฃ
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A review doesn't cost you anything, and what it turns up can be worth hundreds of thousands of dollars to your family over the life of a policy. That might be a gap that would leave your spouse short on the mortgage, or a term policy about to renew at three or four times the current price with nobody watching the date. Just as often, people come out of a review paying less each month for coverage that fits their life better. If you'd like a second set of eyes on what you have, send me a message and we can go through it together. You may find you're in good shape, and that's worth knowing too.โฃ
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