Frequently Asked Questions
Insurance can be complicated. These frequently asked questions provide general information and help identify questions you may want to discuss when reviewing your insurance protection.
General Insurance Questions
How often should I review my insurance?
A review can be useful whenever something important changes in your life, family, property, employment, or business. Many people also find it useful to review their protection periodically rather than waiting for a major change.
Why might my insurance needs change?
Changes in income, family responsibilities, property, vehicles, business operations, debts, or other circumstances can affect the protection that may be appropriate.
Does reviewing my insurance mean I have to buy something?
No. A review is an opportunity to discuss your current protection and questions. A review does not require you to purchase new coverage or change an existing policy.
Life Insurance
How much life insurance do I need?
The appropriate amount depends on your financial responsibilities, income, debts, family needs, goals, and other circumstances. A personal review can help identify the questions that should be considered.
Should I review my beneficiaries?
Beneficiary designations should be reviewed when major life circumstances change and periodically to make sure they still reflect your intentions.
Health Insurance
What should I look at when reviewing health coverage?
Consider premiums, deductibles, out-of-pocket costs, provider networks, prescription coverage, and other plan terms that may affect your household.
Can changes in employment affect my health coverage?
Employment changes can affect eligibility and the type of health coverage available to you. Review your options whenever your employment or household circumstances change.
Property Insurance
When should I review my property insurance?
Consider a review after purchasing, selling, remodeling, or substantially changing property, or when the value of your belongings or other circumstances changes.
Why are deductibles important?
A deductible affects the amount you may pay when a covered loss occurs. It is important to understand the deductible and consider whether it fits your financial situation.
Commercial Insurance
When should a business review its insurance?
A review can be appropriate when revenue, employees, locations, equipment, inventory, services, contracts, or business operations change.
Does a growing business need different protection?
Growth can change a business's property, liability, operational, and continuity exposures. A review can help identify areas that deserve attention.
Private Reviews & Quotes
What is a Private Insurance Review?
A Private Insurance Review is a conversation about your current protection, questions, and changing needs. It is separate from requesting an insurance quote.
What is the difference between a review and a quote?
A review focuses on understanding your current protection and identifying questions or potential gaps. A quote request is specifically for exploring pricing and coverage options.
Can I request a review without requesting a quote?
Yes. You can request a Private Insurance Review simply to discuss your existing protection and questions.
Every person's insurance situation is different. If you have questions about your current protection, you can request a private review and start a conversation.
Request a Private Insurance Review →