who needs checkup?

It is common knowledge that life changes. However, what may not be common knowledge is the need to have your life insurance reviewed on a regular basis. Even subtle changes in your personal life could have a dramatic impact on the results you expected when you first put your life insurance policy into force. Moreover, the last decade has seen tremendous changes in life insurance products and the tax environment in which they exist.
A careful life insurance checkup might indicate that your policy requires no modification, because it still provides adequate protection to meet your current and future financial objectives. On the other hand, a checkup may also suggest that your current coverage is no longer meeting your needs.

Gaps in coverage may require:
• Additional death benefit
• New life insurance policy is purchased
• Term may need to be converted to permanent
• Re-structuring of current policy
• Riders may need to be added or exercised