What you actually own
Term, whole life, universal life, indexed universal life, and annuities where appropriate — explained in plain language, side by side.
Insurance Review
Does Your Coverage Still Fit Your Life?
An honest, educational second opinion on the life insurance and annuity contracts you already own — with no obligation to change anything.
What We Look At
Four things worth checking on every policy
Lapse risk
Some older universal life policies are quietly running out of cash value. We look at in-force illustrations to see whether coverage will hold to the age you expect.
Premium sustainability
Whether the premium you're paying still fits comfortably in a retirement budget, and what happens if it changes.
Beneficiaries and ownership
Outdated beneficiary designations are one of the most common — and most costly — problems we find. Ownership matters too.
The Full Review Checklist
- Type of coverage and how it is designed to work
- Current death benefit versus the need it was purchased for
- Cash value, if any, and how it is being used
- In-force illustration and projected coverage duration
- Premium amount, payment schedule, and long-term affordability
- Beneficiary designations, contingent beneficiaries, and ownership
- Riders you may already have and may not know about
- Whether the coverage still matches your goals today
No pressure. Genuinely.
You are welcome to bring in a policy, learn exactly what it does, and walk out having changed nothing at all. Many people do. Understanding what you own is valuable on its own — and it's the only way to know whether it's still the right fit.
Request an Insurance ReviewFrequently Asked Questions
Bring Us Your Policy
Send the paperwork ahead or bring it to the office — we'll walk through it together, line by line.