Davidson Life Insurance Policy Review

Do you need a policy review?

At D.A. Davidson & Co., we believe it’s important to begin any life insurance policy review with three questions:

  • What life insurance do you have now?
  • When was the last time someone reviewed the policy for you?
  • What changes have occurred in your life since you purchased your current insurance?

Life changes dramatically at times and so can your insurance needs. You may not realize that each of these events can affect your life insurance needs:

  • Marriage or divorce
  • Births
  • Inheritance
  • Change in debt load
  • Business and career changes
  • The end of your smoking habit
  • Dramatic weight loss
  • The change of your commute
  • Or a change in any activity that may have precluded you from qualifying previously for life insurance.

In addition to the inconstancy in each of our lives, our life insurance needs are affected by changes in the world, including fluctuations in the interest rate environment, changes in insurance carriers, improved insurance benefits and features and more. Did you know that the internal cost of life insurance is more favorable now than in past years? You may qualify for the same coverage today at a lower cost.

Life insurance is an important part of any holistic wealth preservation plan. If your policies already are adequate and updated, that’s perfect. But many people receive their annual insurance statement, file it away and never investigate or understand that report. Isn’t it time that you made sure your life insurance policy reflects your needs? D.A. Davidson can help you do so with a policy review.