Term that renews year to year, universal life with rising costs, or “age band” pricing that jumps every five years.
Free · Honest · No obligation
Get a second opinion on your life insurance
Already have a policy? Let an independent agent check whether it’s still the right deal — and if it is, we’ll tell you to keep it.
8 signs it’s time for a review
Unit-based guaranteed-acceptance plans and $1-first-month offers can cost more per dollar of coverage than a plan you’d qualify for with a few health questions.
Graded plans pay a limited benefit for natural-cause death in the first 2–3 years. If your health allows, a day-one plan may be available.
There may be a conversion deadline that lets you keep coverage without new health questions. Missing it is expensive.
Universal life policies can run out of cash value and lapse unless premiums go up. Catch it early.
Sometimes one policy covers the same need for less. Sometimes the old ones are worth keeping — we’ll tell you which.
It usually ends if you change jobs, get laid off or retire.
Marriage, divorce, a new baby, a new house, retirement — check the coverage amount and the beneficiaries.
What we check
- What type of policy it is — and whether the premium can rise
- Whether the coverage amount still fits your family
- Any waiting period, graded benefit or exclusions
- Cash value, surrender charges and loans (for whole life, UL, IUL)
- When term coverage ends and your conversion deadline
- Riders you pay for and whether you need them
- Beneficiaries — and whether they’re still right
- The carrier’s financial-strength rating
Our promise: if your current policy is the better deal, we’ll tell you to keep it. If something is better, we’ll show you side by side — and you never cancel anything until the new policy is approved and in force.
Common situations
Straight answers
Policy review FAQ
Is a life insurance policy review really free?
Yes. We’re an independent agency paid by carriers only if you choose to buy a new policy. There’s no fee for the review and no obligation.
Will you tell me to cancel my policy?
Only if something else is clearly better for you — and never before a new policy is approved and in force. Many older policies (especially ones bought when you were younger or healthier) are worth keeping, and we’ll tell you that. Replacing coverage comes with state-required replacement forms that compare the two policies in writing.
What do I need for a policy review?
The company name, the type of policy, the coverage amount, the monthly premium, and when you bought it. Your annual statement or the policy’s first pages help. Never send your Social Security number.
How do I know if my life insurance is a good deal?
Compare what you pay per $1,000 of coverage with what you’d qualify for today, check whether your premium can rise, and look for waiting periods or coverage that ends. A licensed agent can run that comparison across many carriers in one call.
Can I lower my life insurance premium?
Sometimes — if your health improved, you quit tobacco, you’re paying for coverage you no longer need, or a plan you’d qualify for now costs less. Sometimes the best answer is to keep what you have; we’ll tell you either way.